Limits · calculator
HSA contribution limits for 2026
How much can go into a health savings account for 2026, and the changes that let more people open one.
Your 2026 HSA contribution limit
You can still contribute
$3,800
Total limit $4,400, employer money included
- Self-only limit$4,400
- Catch-up at 55 or older$0
- Prorated for months covered$4,400
- Employer contributions$600
Monthly proration shown; the last-month rule can allow the full amount if you are covered on December 1 and stay covered through 2027.
For 2026 the health savings account limit is $4,400 with self-only coverage and $8,750 with family coverage under a high-deductible health plan, up from $4,300 and $8,550 in 2025, according to Rev. Proc. 2025-19. Account holders aged 55 or older can add $1,000, so a 57-year-old with family coverage can contribute $9,750. The limit includes employer contributions, including those made through a cafeteria plan. To qualify for 2026, a plan must have a deductible of at least $1,700 self-only or $3,400 family and out-of-pocket costs capped at $8,500 or $17,000. Public Law 119-21 widened eligibility from January 1, 2026: bronze and catastrophic plans count as HSA-compatible, enrollees in certain direct primary care arrangements may contribute, and telehealth before the deductible no longer disqualifies. Contributions for 2026 can be made until April 15, 2027 and are deductible even without itemizing.
Checked by Radif Partners · Editorial policy · How we calculate
The 2026 and 2025 figures
| Item | 2025 | 2026 |
|---|---|---|
| Contribution limit, self-only | $4,300 | $4,400 |
| Contribution limit, family | $8,550 | $8,750 |
| Catch-up at 55 or older | $1,000 | $1,000 |
| Minimum deductible, self-only / family | not shown | $1,700 / $3,400 |
| Maximum out-of-pocket, self-only / family | not shown | $8,500 / $17,000 |
Partial years and Medicare
The limit is prorated by the months in which you are eligible on the first day of the month: six months of self-only coverage allow $2,200. The last-month rule lets someone eligible on December 1 contribute the full year's amount, provided he stays eligible through the following year; otherwise the extra becomes taxable with a penalty. Enrolling in Medicare ends eligibility from the first month of coverage, which matters for people who start Social Security at 65 and receive Medicare Part A automatically.
A triple tax advantage
Contributions lower AGI (or are excluded from wages when made through payroll, which also avoids FICA), growth is untaxed, and withdrawals for qualified medical expenses are tax-free. That makes the HSA the only account where money can go in and come out without income tax. Unlike a health FSA, the balance never expires and follows you when you change jobs. From 2026 HSA money can also pay periodic fees of a direct primary care arrangement.
Excess contributions and withdrawals
Contributing more than the limit triggers a 6% excise tax each year the excess stays in the account, unless you withdraw it with its earnings before the return due date. Withdrawals for anything other than qualified medical expenses are taxable and, before 65, carry an additional 20% tax; from 65 they are simply taxable, like a traditional IRA. Keep receipts: the IRS can ask you to show that a tax-free withdrawal paid a medical expense, even years later.
Comparing with other accounts
An HSA comes on top of the 401(k) and IRA limits. Because the deduction lowers AGI, it helps with income-based limits such as the Roth IRA range.
Sources: IRS Rev. Proc. 2025-19: 2026 HSA contribution limits; IRS Rev. Proc. 2024-25: 2025 HSA contribution limits; HSA changes for 2026: IRS Working Families Tax Cuts summary, read on October 11, 2026.