What You Need to Know About Your HSA Limits

Save smarter for your health – and your wallet.

If you have a Health Savings Account (HSA), you already know it’s a great way to set money aside for medical expenses—and save on taxes. Every year, the IRS updates how much you can contribute to your HSA, and those numbers just got a bump for 2026.

Here’s what’s new (and what it means for you):

💰 2026 HSA Contribution Limits

For the 2026 tax year, you can now contribute:

• $4,400 if you have self-only coverage ($4,300 in 2025)

• $8,750 if you’re on a family plan ($8,550 in 2025)

• An extra $1,000 if you’re 55 or older (that’s your “catch-up” contribution)

These contributions can be made any time during the year and up until tax day in April 2027.

🩺 What Counts as an HSA-Eligible Plan?

To contribute to an HSA, you need to be enrolled in a qualifying high-deductible health plan (HDHP). For 2026, your plan must have:

• At least a $1,700 deductible for individual plans ($1,650 in 2025)

• At least a $3,400 deductible for family plans ($3,300 in 2025)

• Out-of-pocket maximums no higher than $8,500 (individual) or $17,000 (family)

Make sure that your health plan meets these criteria to maintain HSA eligibility.

Not sure if your plan qualifies? We’re happy to help you check.

🌟 Why People Love HSAs

• Your contributions are tax-free,

• Your savings can grow with tax-free investment earnings,

• You can use the money for qualified medical expenses — tax-free, and

• Unused money rolls over year to year and stays with you (even if you switch jobs or plans)

Triple Tax Advantage + Long-term Flexibility = MAJOR WIN! 🏆

🧠 Tips to Maximize Your HSA

• Contribute the maximum: Maximizing your contributions can enhance your tax savings and build a substantial healthcare fund.

• Catch-up contributions: If you're 55 or older, don't forget the additional $1,000 you can contribute annually.

• Invest your HSA funds: Consider investing a portion of your HSA to potentially increase growth over time.

• Keep receipts: Save receipts for qualified medical expenses to reimburse yourself later, allowing your HSA to grow.

📅 Mark Your Calendar

You have until April 15, 2026, to make contributions for the 2025 tax year and until April 15, 2027, to contribute for the 2026 tax year.

Plan accordingly to take full advantage of your HSA benefits.

Knowing your HSA contribution limits and requirements ensures you make the most of your healthcare savings. If you’re wondering whether you’re making the most of your HSA, or you’re curious if you even qualify, let us know! We’re here to make it simple.