A Health Savings Account (HSA) lets you set aside money for medical costs with a triple tax advantage: contributions are tax-deductible, the money grows tax-free, and withdrawals for qualified medical expenses are tax-free. Here are the 2026 limits from the IRS (Revenue Procedure 2025-19).

The 2026 limits

  • Self-only coverage: $4,400 (up from $4,300 in 2025)
  • Family coverage: $8,750 (up from $8,550 in 2025)
  • Catch-up at age 55 or older: $1,000 extra on top of either limit
  • Employer contributions count toward the same limit — they do not add extra room
  • Contributions can be made until the tax-filing deadline (typically 15 April 2027) for the 2026 tax year

To qualify, you need a high-deductible health plan (HDHP)

For 2026, a qualifying HDHP has a minimum deductible of $1,700 for self-only coverage and $3,400 for family coverage, and a maximum out-of-pocket of $8,500 for self-only and $17,000 for family.

2027 limits are already announced

  • Self-only: $4,500 and family: $9,000 in 2027

HSA vs FSA

For comparison, the flexible spending account (FSA) limit for 2026 is $3,400. Unlike an FSA, HSA money rolls over year to year and stays with you if you change jobs.

This is general education, not financial advice. Check current IRS guidance before making decisions.

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