HSA contribution limit 2026: $4,400 self-only, $8,750 family
The 5-second answer
The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage, per IRS Publication 969.
Updated (ET)
The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage, per IRS Publication 969. You need a high-deductible health plan (HDHP) to contribute.
Limits cover contributions from you and your employer combined. Extra catch-up rules apply from age 55; see IRS Publication 969.
| Coverage | 2026 | 2025 | Source |
|---|---|---|---|
| Self-only HDHP | $4,400 | $4,300 | IRS |
| Family HDHP | $8,750 | $8,550 | IRS |
FAQ
What is the HSA limit for 2026?
What is the HSA limit for 2026?
$4,400 self-only, $8,750 family. (Source)
What was the 2025 HSA limit?
$4,300 self-only, $8,550 family. (Source)
Do employer contributions count?
Yes, they count toward the same limit. (Source)
Who can contribute to an HSA?
People covered by a high-deductible health plan who meet IRS rules. (Source)
Where is this from?
IRS Publication 969. (Source)
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