by | March 1st, 2026

Available at rp-25-19.pdf

Health savings accounts, or HSAs, are already a great way to set aside money for medical costs.

The IRS has released the 2026 cost-of-living adjusted limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs):

  • HSA Contribution Limits. The 2026 annual HSA contribution limit is $4,400 for individuals with self-only HDHP coverage (up from $4,300 in 2025), and $8,750 for individuals with family HDHP coverage (up from $8,550 in 2025). The amount you can contribute to an HSA each year is determined by whether you are enrolled in self-only or family coverage and if you are age 55 or older. Those 55 and older can contribute an additional $1,000 as a catch-up contribution.

  • HDHP Minimum Deductibles. The 2026 minimum annual deductible is $1,700 for self-only HDHP coverage (up from $1,650 in 2025) and $3,400 for family HDHP coverage (up from $3,300 in 2025).

  • HDHP Out-of-Pocket Maximums. The 2026 limit on out-of-pocket expenses (including items such as deductibles, copayments, and coinsurance, but not premiums) is $8,500 for self-only HDHP coverage (up from $8,300 in 2025), and $17,000 for family HDHP coverage (up from $16,600 in 2025).

IRS Releases 2026 HSA Contribution Limits and HDHP Deductible and Out-of-Pocket Limits

In Rev. Proc. 2025-19, the IRS released the inflation-adjusted amounts for 2026 relevant to Health Savings Accounts (HSAs) and high deductible health plans (HDHPs). The table below summarizes those adjustments and other applicable limits.