2026 Limits For Health Savings Accounts (HSA) And High Deductible Health Plans (HDHP)
The IRS released the 2026 Health Savings Account (HSA) contribution limits, the minimum required HDHP deductibles, and the HDHP out-of-pocket maximums. Each year, the IRS reviews these figures based on a cost-of-living adjustment. The figures below pertain to HSAs and HSA-qualified High Deductible Health Plans.
2026 Annual HSA Contribution Limits
Single: $4,400 ($4,300 in 2025)
Family: $8,750 ($8,550 in 2025)
2026 Annual Minimum HDHP Required Deductibles
Single: $1,700 ($1,650 in 2025)
Family: $3,400 ($3,300 in 2025)
2026 HDHP Out-of-Pocket Maximums
Single: $8,500 ($8,300 in 2025)
Family: $17,000 ($16,600 in 2025)
Federal rules permit catch-up contributions to HSAs if the accountholder is 55 or older, allowing an increase in annual contributions up to an additional $1,000 per year. Accountholders are eligible for this extra contribution if they are 55 years or older, or turning 55 anytime during that year. If the accountholder’s spouse is also turning 55, the spouse cannot contribute their catch-up contribution to the accountholder’s HSA. However, if the spouse meets the eligibility requirements, they can open their own HSA and make catch-up contributions to their own account.
More information can be found at: