Health Savings Account (HSA) — 2026 Limits

Full explanation

For 2026, HSA contribution limits are $4,300 (self-only HDHP coverage) and $8,550 (family HDHP coverage), plus a $1,000 catch-up for age 55+. To qualify, you must be enrolled in a High Deductible Health Plan with a minimum deductible of $1,700 (self-only) or $3,400 (family) and maximum out-of-pocket of $8,500 (self-only) or $17,000 (family). The triple tax advantage is unmatched: contributions are tax-deductible (or pre-tax if through payroll), earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. After age 65, non-medical withdrawals are taxed as income but carry no penalty. Employer contributions count toward your annual limit.

Source: IRS Revenue Procedure 2025-32 — HSA Limits