IRS Announces Health Savings Account Contribution Limits for 2026

May 1, 2025, 7:15 PM UTC

The 2026 annual contribution limit for health savings accounts will be $4,400 for self-only coverage and $8,750 for family coverage, the Internal Revenue Service announced in a May 1 publication.

In 2025, the annual contribution limit is $4,300 for self-only coverage and $8,550 for family coverage.

HSAs may only be used in conjunction with high-deductible health plans.

For 2026, a health plan must have an annual deductible of at least $1,700 for self-only coverage or $3,400 for family coverage to be considered a HDHP, according to the IRS’s Rev. Proc. 2025-19. For 2025, annual deductibles of HDHP must ...

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