The official IRS numbers (Rev. Proc. 2025-19), plus the rules people actually get wrong.
Last updated: October 2026 · Covers tax year 2026 (and 2025 for comparison)
2026 HSA contribution limits: $4,400 for self-only HDHP coverage, $8,750 for family coverage, plus a $1,000 catch-up if you're 55 or older. Limits include everything your employer puts in.
| 2025 | 2026 | Change | |
|---|---|---|---|
| Self-only coverage | $4,300 | $4,400 | +$100 |
| Family coverage | $8,550 | $8,750 | +$200 |
| Catch-up (age 55+), either coverage | $1,000 | $1,000 | unchanged |
You can only contribute to an HSA if your coverage is an HSA-qualified high-deductible health plan:
| HDHP requirement (2026) | Self-only | Family |
|---|---|---|
| Minimum annual deductible | $1,700 | $3,400 |
| Maximum out-of-pocket (in-network) | $8,500 | $17,000 |
Every verified provider rate, monthly.
What your balance should earn.
The after-tax comparison.
Sweep rates, tiers, taxability.
$3,400 health FSA, $680 carryover.
Choosing at open enrollment.