IRS Releases 2026 HSA and HDHP Limits
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The IRS recently released Revenue Procedure 2025-19, which contains the 2026 limits for HSAs and high deductible health plans (HDHPs).
Qualified individuals with self-only coverage will be able to contribute $4,300, a $100 increase from 2025. Qualified individuals with family coverage may contribute up to $8,750, a $200 increase from 2025. As always, individuals age 55 and older may make an additional $1,000 catch-up contribution.
To be eligible, individuals must be enrolled in an HDHP with a minimum deductible of $1,700 for self-only coverage and $3,400 for family coverage. The maximum out-of-pocket expense limit will increase to $8,500 for self-only coverage and $17,000 for family coverage.
| 2025 | 2026 | |
|---|---|---|
| HSA Contribution Limit – Single | $4,300 | $4,400 |
| HSA Contribution Limit – Family | $8,550 | $8,750 |
| HSA Contribution Limit – 55+ Catch-Up Contribution | $1,000 | $1,000 |
| Minimum HDHP Deductible - Single | $1,650 | $1,700 |
| Minimum HDHP Deductible – Family | $3,300 | $3,400 |
| Plan Out-of-Pocket Maximum for HSA Eligibility – Single | $8,300 | $8,500 |
| Plan Out-of-Pocket Maximum for HSA Eligibility - Family | $16,600 | $17,000 |
There is a lot more information plan sponsors and participants will need to properly plan for 2026, including the ACA affordability limit and the FSA limit. Check back often.
Publish Date:May 7, 2025Categories:Employee Benefits