HSA Contribution Limit 2026
Updated for the 2026 tax year · Last updated June 13, 2026
Self-only coverage
$4,400
2026 · up from $4,300 in 2025
| Limit | 2026 | 2025 |
|---|---|---|
| Self-only coverage | $4,400 | $4,300 |
| Family coverage | $8,750 | $8,550 |
| Catch-up (age 55+) | $1,000 | $1,000 |
What changed for 2026
For 2026 the self-only HSA limit rose $100 to $4,400 and the family limit rose $200 to $8,750. The age-55 catch-up stays $1,000 — it is set by statute and not inflation-indexed.
How it works
- •You must be covered by a qualifying high-deductible health plan (HDHP) and have no other disqualifying coverage to contribute.
- •The $1,000 catch-up applies at age 55+ and, unlike IRAs, each spouse must have their own HSA to use their own catch-up.
- •HSA contributions are triple-tax-advantaged: deductible going in, tax-free growth, and tax-free withdrawals for qualified medical expenses.
- •Unused HSA balances roll over every year and are yours to keep — unlike an FSA.
HSA Contribution Limit 2026 FAQ
What is the HSA contribution limit for 2026?
The 2026 HSA limit is $4,400 for self-only HDHP coverage and $8,750 for family coverage. Those 55 and older can add a $1,000 catch-up.
Can my spouse and I both make the $1,000 HSA catch-up?
Yes, but only if each spouse has their own HSA. Two catch-ups cannot be combined into a single account.
Do HSA funds expire at year end?
No. HSA balances roll over indefinitely and stay yours even if you change jobs or health plans — a key difference from FSAs.
Related 2026 limits
See all calculators and limits on the retirement & tax hub.
Source: IRS Rev. Proc. 2025-19 (2026 HSA/HDHP limits). For informational purposes only, not tax advice.