2026 HSA Limits Are Announced
By Mary Ellen Schill
May 1, 2025
On May 1, 2025, the IRS announced the Health Savings Account limits for 2026. With respect to contribution limits, the limits are slightly higher than the ones for 2025 and the required deductible and out-of-pocket maximums have increased as well. As a reminder, these inflation adjusted amounts are effective for calendar year 2026.
| HSA/HDHP Requirement | Cost-of-Living Adjustments |
| Limit on HSA Contributions – Self-only HDHP | 2025 – $4,300
2026 – $4,400 |
| Limit on HSA Contributions – Family HDHP | 2025 – $8,550
2026 – $8,750 |
| HDHP Required Deductible – Self-only HDHP | 2025 – $1,650
2026 – $1,700 |
| HDHP Required Deductible – Family HDHP | 2025 – $3,300
2026 – $3,400 |
| HDHP Out-of-pocket Maximum – Self-only HDHP | 2025 – $8,300
2026 – $8,500 |
| HDHP Out-of-pocket Maximum – Family HDHP | 2025 – $16,600
2026 – $17,000 |
| HSA Catch-up Contribution Limit | 2025 – $1,000
2026 – $1,000 |
All of the above are for calendar year 2026.
For further information, please contact Attorney Mary Ellen Schill, who prepared this article, or any of the attorneys within the Employment & Benefits group at Ruder Ware.
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