Good news for Health Savings Account holders! The IRS has just announced the 2026 HSA contribution limits, and you’ll have even more opportunity to save for your healthcare needs. For 2026, the minimum contribution for individual coverage jumps to $4,400 (a $100 increase), while family coverage will see a rise to $8,750 (up by $200). Get ready to plan for these new limits, effective January 1, 2026, and explore how they can benefit you.
HSA Contribution Limits for 2026
Health Savings Account |
2025 |
2026 |
| Maximum Contribution Limit | ||
| HSA Contribution Limit – Individual Coverage | $4,300 | $4,400 |
| HSA Contribution Limit – Family Coverage | $8,550 | $8,750 |
| HDHP Minimum Deductible | ||
| HDHP Minimum Deductible – Individual Coverage | $1,650 | $1,700 |
| HDHP Minimum Deductible – Family Coverage | $3,300 | $3,400 |
| HDHP Out-of-Pocket Maximum | ||
| HDHP Maximum Out-of-Pocket – Individual Coverage | $8,300 | $8,500 |
| HDHP Maximum Out-of-Pocket – Family Coverage | $16,600 | $17,000 |
How Does an HSA Benefit You?
HSAs provide significant savings for families with three tax-saving opportunities:
- Contributions are made with pre-tax dollars
- Funds earn interest tax-free
- Withdrawals for qualified eligible expenses are tax-free
HSAs also have long-term investment opportunities with tax benefits on contributions, earnings and distributions.
HSA Eligible Expense List
Browse thousands of pre-approved HSA eligible expenses with P&A’s vendor partner, HSA Store. See what’s eligible for purchase with your HSA, stock up on eligible expenses and discover new healthcare products.
Log Into Your HSA
To check your account balance or manage your HSA, log into your account.
Pro Tip: Health Savings Accounts are triple-tax advantaged accounts that can save you significantly on healthcare costs. See how you can benefit from an HSA.
