2026 Limits Announced for Health Savings Accounts

A Health Savings Account (HSA) account is a savings account that you can contribute tax-free money towards. This money can be used to pay for qualified medical expenses. Each year, the IRS adjusts the maximum contribution you are allowed to make towards your HSA, the minimum deductible to qualify, and the max out of pocket limits. It is important to note that a HSA is your money. It is not use-lose like an employer based Flexible Savings Account (FSA). Any money contributed to a HSA rolls over year after year and can be used for any qualified medical expenses in current and/or future years.

The IRS has announced the HSA contribution limits for 2025 and 2026. Check out our summary below for the individual and family limits for 2026 compared to 2025:

In 2025, the maximum contribution an individual can make to a HSA is $4,300, and the maximum contribution a family can make to a HSA is $8,550. These limits are important, because when it is time to file your 2025 taxes, deductions can only be made up to the maximum contribution amount. Folks age 55 and older can add an additional $1,000 to their HSA account.

For 2026, the maximum contribution an individual can make to a HSA is $4,400, and the maximum contribution a family can make to a HSA is $8,750. Again, the rules as previously mentioned for people over 55 apply for 2026 too.

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