For 2026, you can contribute up to $4,400 to a health savings account (HSA) with self-only coverage or $8,750 with family coverage. If you are 55 or older, you can add a $1,000 catch-up contribution. To contribute, you must be covered by a high-deductible health plan (HDHP) with a deductible of at least $1,700 (self-only) or $3,400 (family).
Key facts
- The limit includes both your contributions and your employer’s.
- The $1,000 catch-up is set by law and does not change with inflation. Married couples who are both 55+ need separate HSAs to each make one.
- HSA money is triple tax-advantaged: contributions are deductible (or pre-tax through payroll), growth is tax-free and withdrawals for qualified medical expenses are tax-free.
- You can contribute for 2026 until the tax filing deadline in April 2027.
2026 HSA contribution limits
| Coverage | Under 55 | 55 or older |
|---|---|---|
| Self-only coverage | $4,400 | $5,400 |
| Family coverage | $8,750 | $9,750 |
2026 high-deductible health plan (HDHP) requirements
To be HSA-eligible, your health plan must meet these 2026 minimums and maximums:
| HDHP requirement | Self-only | Family |
|---|---|---|
| Minimum annual deductible | $1,700 | $3,400 |
| Maximum out-of-pocket | $8,500 | $17,000 |
The out-of-pocket maximum includes deductibles, copays and coinsurance, but not premiums.
How much an HSA can save you
Contributions made through payroll skip federal income tax and Social Security and Medicare taxes. A family in the 22% federal bracket that contributes the full $8,750 saves roughly $2,594 in federal taxes for 2026, before any state tax savings. See how pre-tax deductions change your take-home pay with the paycheck calculator, and compare with the 2026 401(k) and IRA limits.
Frequently asked questions
What is the HSA limit for 2026?
$4,400 for self-only HDHP coverage and $8,750 for family coverage, plus $1,000 if you are 55 or older by the end of the year.
Does my employer’s HSA contribution count toward the limit?
Yes. Unlike a 401(k), employer contributions to your HSA count toward the same annual limit. If your employer puts in $1,000 and you have family coverage, you can add up to $7,750 yourself.
What happens if I switch between self-only and family coverage during the year?
Your limit is generally prorated by month: add up the limit for each month based on the coverage you had on the first day of that month, then divide by 12. A “last-month rule” lets you contribute the full-year amount if you are HSA-eligible on December 1, provided you stay eligible for the following year.
What happens to my HSA at 65?
After 65 you can withdraw HSA money for any purpose without the 20% penalty; non-medical withdrawals are taxed as income, like a traditional IRA. Once you enroll in Medicare you can no longer contribute, but you can keep using the balance.
Calculators that use these figures
- Paycheck Calculator: Take-home pay per paycheck after 2026 federal, state and FICA taxes.
- Retirement Calculator: Retirement savings target, on-track check and sustainable withdrawals.