Cross References

  • IRC §223
  • Rev. Proc. 2025-19
  • Rev. Proc. 2024-25
  • Rev. Proc. 2023-23

The IRS recently announced inflation adjusted amounts for Health Savings Accounts (HSAs) for 2026. These amounts are reflected in the chart below in comparison to previous years.

HSA Limitations

Annual contribution is limited to: 2026 2025 2024

Self-only coverage, under age 55 $4,400 $4,300 $4,150 Self-only coverage, age 55 or older $5,400 $5,300 $5,150 Family coverage, under age 55 $8,750 $8,550 $8,300 *Family coverage, age 55 or older $9,750 $9,550 $9,300

Minimum annual deductibles:

Self-only coverage $1,700 $1,650 $1,600 Family coverage $3,400 $3,300 $3,200

Maximum annual deductible and out-of-pocket expense limits:

Self-only coverage $8,500 $8,300 $8,050 Family coverage $17,000 $16,600 $16,100

*Assumes only one spouse has an HSA. See IRS Pub 969 if both spouses have separate HSAs.