What are the HSA contribution limits for 2026?
For 2026, the IRS HSA contribution limits are $4,400 for self-only HDHP coverage and $8,750 for family HDHP coverage, plus a $1,000 catch-up contribution for accountholders age 55 or older (IRS Rev. Proc. 2025-19).
Last updated Jul 19, 2026
Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
What it means
- Limits are per accountholder for self-only coverage and per family for family coverage.
- Contributions can be made through the tax-filing deadline (typically April 15) for the prior year.
Action steps
- Confirm your HDHP meets the 2026 HDHP definition before contributing.
- If you are 55 or older, add the $1,000 catch-up to your annual contribution.
Risks & deadlines
- Contributing while enrolled in Medicare creates an excess contribution subject to a 6% excise tax until corrected.
Source:
- IRS Rev. Proc. 2025-19 — 2026 HSA/HDHP limits
- IRS Publication 969 — HSAs and Other Tax-Favored Health Plans
Last verified: 2026-07-19
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