What are the 2026 HSA Contribution Limits?

For the 2026 tax year, the Health Savings Account (HSA) contribution limits are as follows:

• Self-only coverage: $4,400
• Family coverage: $8,750

These limits represent the maximum amount you can contribute to your HSA for the year, regardless of the source of the contributions (personal, employer, or both).

Age-Based Catch-Up Contributions

Individuals who are 55 years or older can make an additional catch-up contribution of $1,000 per year. This means:

• For family coverage, the total potential contribution is $9,750 ($8,750 + $1,000)

Contribution Tracking and Management

It's crucial to track your HSA contributions throughout the year:

• All contributions made during the tax year count towards your annual limit, including those made by you, your employer, or anyone else on your behalf.
• Once you reach the annual contribution limit, no further contributions can be made for that year.
• If you're unsure about your current contributions, check with your HSA provider or review your account details.

HSA balances can change due to various factors, including annual contributions, tax-related adjustments, and medical expenses paid from the account. It's recommended to keep track of your contributions and consult with a financial advisor for specific questions about your account.

Changing Coverage Types

If you need to change your HSA plan from individual to family coverage:

• Contact your HSA provider to update your plan documentation.
• Any contributions made under the individual coverage will count towards your new family coverage limit.