IRS 2026 HSA Limits
2026 HSA Maximum Contribution
For calendar year 2026, the maximum HSA contribution is $4,400.00 for a person enrolled as single and $8,750.00 for a person enrolled as family.
Self-only contribution limit is changing from $4,300 in 2025 to $4,400 in 2026
Family contribution limit is changing from $8,550 in 2025 to $8,750 in 2026
**Catch-up contributions of $1,000 can be made during the year by HSA-eligible participants who will turn 55 by year-end.
What is a High Deductible Health Plan (HDHP)?
For calendar year 2026, a “high deductible health plan” is defined as a health plan with an annual deductible that is not less than $1,700 for self-only coverage or $3,400 for family coverage.
The maximum annual out-of-pocket expenses for 2026 plans (deductibles, co-payments, and co-insurance, but not premiums) do not exceed $8,400.00 for self-only coverage or $17,000.00 for family coverage.
| HDHP (self-only coverage) | 2025 | 2026 |
| Annual deductible not less than: | $1,650 | $1,700 |
| Annual out-of-pocket expenses don’t exceed: | $8,300 | $8,500 |
| HDHP (family coverage) | 2025 | 2026 |
| Annual deductible not less than: | $3,300 | $3,400 |
| Annual out-of-pocket expenses don’t exceed: | $16,600 | $17,000 |