2026 Health Savings Accounts

The Health Savings Account (H.S.A.) contribution limits for 2026 are $4,400 (up from $4,300) for self-only coverage and $8,750 (up from $8,550) for family coverage. Those 55 and older can contribute an additional $1,000 as a catch-up contribution.

As a reminder you must be enrolled in a high deductible health plan to qualify for the contribution which is prorated based on the number of months you have qualifying health insurance.

Also, you cannot contribute to both a medical flexible spending account (FSA) and an HSA in the same year.