2026 HSA Limits Are Announced

Mary Ellen Schill
Ruder Ware
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On May 1, 2025, the IRS announced the Health Savings Account limits for 2026.  With respect to contribution limits, the limits are slightly higher than the ones for 2025 and the required deductible and out-of-pocket maximums have increased as well.  As a reminder, these inflation adjusted amounts are effective for calendar year 2026.

HSA/HDHP Requirement Cost-of-Living Adjustments
Limit on HSA Contributions – Self-only HDHP 2025 – $4,300

2026 – $4,400
Limit on HSA Contributions – Family HDHP 2025 – $8,550

2026 – $8,750
HDHP Required Deductible – Self-only HDHP 2025 – $1,650

2026 – $1,700
HDHP Required Deductible – Family HDHP 2025 – $3,300

2026 – $3,400
HDHP Out-of-pocket Maximum – Self-only HDHP 2025 – $8,300

2026 – $8,500
HDHP Out-of-pocket Maximum – Family HDHP 2025 – $16,600

2026 – $17,000
HSA Catch-up Contribution Limit 2025 – $1,000

2026 – $1,000

All of the above are for calendar year 2026.

 

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations. Attorney Advertising.

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