2026 HSA Contribution Limits
IRS-set limits for Health Savings Account contributions, HDHP deductible minimums, and out-of-pocket maximums for 2026.
Note: 2026 limits are projected based on IRS inflation adjustment trends. Official IRS announcement expected mid-2025.
Annual Contribution Limits
| Coverage | Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $4,400 (+$100 vs 2025) | $5,400 |
| Family | $8,750 (+$200 vs 2025) | $9,750 |
HDHP Requirements (2026)
| Requirement | Self-Only | Family |
|---|---|---|
| Minimum Deductible | $1,700 | $3,400 |
| Out-of-Pocket Maximum | $8,500 (+$200 vs 2025) | $17,000 (+$400 vs 2025) |
2026 HSA FAQs
What is the HSA contribution limit for 2026?
For 2026, the HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. Individuals age 55+ can contribute an additional $1,000 as a catch-up contribution.
What is the HDHP minimum deductible for 2026?
For 2026, the minimum deductible for an HSA-qualifying HDHP is $1,700 (self-only) and $3,400 (family).
What is the out-of-pocket maximum for 2026?
For 2026, the maximum out-of-pocket expenses for an HSA-qualifying HDHP are $8,500 (self-only) and $17,000 (family).
Can I contribute to my HSA if I'm over 55?
Yes. If you're 55 or older, you can make an additional catch-up contribution of $1,000 on top of the standard limit, bringing your total to $5,400 (self-only) or $9,750 (family) for 2026.
Other Years
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