2026 HSA Contribution Limits & HDHP Requirements

In Revenue Procedure 2025-19 the IRS released the 2026 inflation-adjusted amounts for Health Savings Accounts (HSAs) and High-Deductible Health Plans (HDHPs) for the 2026 calendar year.

Here's a summary of the key limits for 2026:

Individual/Self-coverage:

• HSA contribution limit for 2026: $4,400 (up from $4,300)

• HDHP minimum deductible: $1,700 (up from $1,650)

• HDHP maximum out of pocket: $8,500 (up from $8,300)
  

Family Coverage:

• HSA contribution limit for 2026: $8,750 (up from $8,550)

• HDHP Minimum deductible: $3,400 (up from $3,300)

• HDHP Maximum out-of-pocket: $17,000 (up from $16,600)
  

• Catch-up contributions: Individuals aged 55 and older can make an additional catch-up contribution of $1,000, which remains unchanged from 2025. 

Note: For HDHPs with an embedded deductible, the individual deductible must meet or exceed the IRS minimum family deductible to retain HSA-qualifying status, which for 2026 is $3,400.