2026 HSA Limits Released

The IRS has announced the inflation-adjusted 2026 calendar year contribution limits for health savings accounts and HSA-compatible high-deductible health plans.

Starting in 2026, the new HSA contribution limit will be $4,400 for an individual with self-only coverage under a high-deductible health plan—a $100 increase from this year. The limit for an individual with family coverage under an HDHP is $8,750—a $200 increase, according to the IRS announcement.

HSAs are accounts that can be funded with pre-tax contributions. The funds, which can be invested, then can grow tax-free and can be withdrawn tax-free, as long as the funds are spent on qualified medical expenses. HSAs are therefore said to be “triple-tax advantaged.” In order to use an HSA, an employee must be enrolled in a HDHP.

For 2026, a HDHP 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. Annual out-of-pocket expenses, such as deductibles and co-payments, cannot exceed $8,500 for self-only coverage or $17,000 for family coverage.

In addition, for plan years beginning in 2026, the maximum amount that may be made newly available for the plan year for an “excepted benefit health reimbursement arrangement” is $2,200. An HRA is an employer-funded account that reimburses employees for qualified medical expenses that consist of excepted benefits—those not included in a traditional health insurance plan, such as copays, deductibles, dental coverage and vision coverage.

According to recent research from Devenir, HSA balances rose 19% in 2024 from 2023 levels, reaching almost $147 billion.