If you have a Health Savings Account (HSA) and are enrolled in an eligible High Deductible Health Plan (HDHP), the IRS has increased the HSA contribution limits for 2026.
For 2026, you can contribute up to:
- $4,400 to an HSA with self-only HDHP coverage
- $8,750 to an HSA with family HDHP coverage
- An additional $1,000 catch-up contribution if you are age 55 or older
These limits include both employer and employee contributions.
2026 HSA Contribution Limits
| HSA Limit |
2026 |
| Self-only coverage |
$4,400 |
| Family coverage |
$8,750 |
| Age 55+ catch-up contribution |
Additional $1,000 |
The 2026 limits increased by $100 for self-only coverage and $200 for family coverage compared with 2025.
The $1,000 catch-up contribution for individuals age 55 and older remains unchanged from 2025.
2026 HDHP Deductible Requirements
To qualify as an HDHP for HSA purposes in 2026, the health plan must meet the IRS minimum deductible requirements.
For 2026, the minimum deductible is:
- $1,700 for self-only coverage
- $3,400 for family coverage
These amounts increased by $50 for self-only coverage and $100 for family coverage compared with 2025.
For family HDHP coverage, an embedded individual deductible cannot be lower than the $3,400 minimum family deductible. If the embedded deductible is below $3,400, the plan may not meet the IRS requirements for an HSA-qualified HDHP.
2026 HDHP Maximum Out-of-Pocket Limits
For 2026, the maximum annual out-of-pocket expenses for an HSA-qualified HDHP are:
- $8,500 for self-only coverage
- $17,000 for family coverage
These amounts include deductibles, copayments and other qualifying out-of-pocket expenses, but do not include premiums.
Compared with 2025, the maximum out-of-pocket limits increased by $200 for self-only coverage and $400 for family coverage.
2026 HSA and HDHP Limits at a Glance
| Limit |
2026 |
Change from 2025 |
| HSA contribution — self-only |
$4,400 |
+$100 |
| HSA contribution — family |
$8,750 |
+$200 |
| HSA catch-up contribution — age 55+ |
$1,000 |
No change |
| HDHP minimum deductible — self-only |
$1,700 |
+$50 |
| HDHP minimum deductible — family |
$3,400 |
+$100 |
| HDHP maximum out-of-pocket — self-only |
$8,500 |
+$200 |
| HDHP maximum out-of-pocket — family |
$17,000 |
+$400 |
How Much Can I Contribute to an HSA in 2026?
For 2026, an eligible individual with self-only HDHP coverage can contribute up to $4,400 to an HSA. An eligible individual with family HDHP coverage can contribute up to $8,750.
Individuals age 55 or older may contribute an additional $1,000 catch-up contribution.
HSA contribution limits include contributions made by both the employee and employer. If your employer contributes to your HSA, those contributions count toward the annual IRS limit.
What Is the 2026 HSA Catch-Up Contribution?
The HSA catch-up contribution for individuals age 55 and older remains $1,000 for 2026.
Eligible individuals can contribute the additional $1,000 in addition to the standard annual HSA contribution limit.
What Is an HSA-Qualified HDHP in 2026?
An HSA-qualified High Deductible Health Plan (HDHP) must meet specific IRS requirements for minimum deductibles and maximum out-of-pocket expenses.
For 2026, the minimum deductible is $1,700 for self-only coverage and $3,400 for family coverage. The maximum out-of-pocket limit is $8,500 for self-only coverage and $17,000 for family coverage.
If you are considering contributing to an HSA, check with your health insurance provider or benefits administrator to confirm that your health plan is HSA-eligible.
HSA contribution limits and HDHP requirements are established by the IRS and may change annually. This information is for educational purposes and is not tax or legal advice.
