2026 Annual HSA Limits Announced
|
The IRS has released the 2026 annual HSA contribution limits. The table below shows the 2025 and 2026 amounts with the year-over-year changes.
| HSA Contribution Limits | 2025 | 2026 | Change |
|---|---|---|---|
| Individual | $4,300 | $4,400 | +$100 |
| Family | $8,550 | $8,750 | +$200 |
There are no changes to the $1,000 HSA catch-up contribution limit.
Additionally, the IRS increased the minimum annual deductibles and the maximum out-of-pocket maximum for high deductible health plans.
| Self-only coverage | 2025 | 2026 | Change |
|---|---|---|---|
| Deductible | $1,650 | $1,700 | +$50 |
| Out-of-pocket maximum | $8,300 | $8,500 | +$200 |
| Family coverage | 2025 | 2026 | Change |
|---|---|---|---|
| Deductible | $3,300 | $3,400 | +$100 |
| Out-of-pocket maximum | $16,600 | $17,000 | +$400 |