2026 HSA Contribution Limits

The official 2026 HSA contribution limits, the age-55 catch-up and the HDHP deductible and out-of-pocket limits a plan must meet — contributions you can still make for 2026 until the filing deadline in 2027.

The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. If you are 55 or older you can add $1,000. To contribute, your health plan must be an HDHP with a deductible of at least $1,700 (self-only) or $3,400 (family).

Official  Published by the IRS for tax year 2026 (IRS Rev. Proc. 2025-19). These are the figures for income earned in 2026, reported on the 2026 return filed in early 2027. Planning for 2027? See the 2027 figures →

For 2027 the IRS has already set the limits at $4,500 for self-only coverage and $9,000 for family coverage (up from $4,400 and $8,750), with the $1,000 age-55 catch-up unchanged and a minimum HDHP deductible of $1,750 self-only or $3,500 family (IRS Rev. Proc. 2026-24). See the 2027 HSA limits.

HSA and HDHP amounts, 2026 — IRS Rev. Proc. 2025-19; age-55 amount IRC §223(b)(3)(B)
Limit2026
HSA contribution limit, self-only coveragePer eligible person with self-only HDHP coverage $4,400
HSA contribution limit, family coveragePer family with family HDHP coverage $8,750
Additional contribution, age 55+Per person aged 55 or over by December 31; set by statute, not indexed $1,000
HDHP minimum deductible, self-onlyThe plan must have at least this deductible $1,700
HDHP minimum deductible, familyThe plan must have at least this deductible $3,400
HDHP out-of-pocket maximum, self-onlyThe plan may not exceed this $8,500
HDHP out-of-pocket maximum, familyThe plan may not exceed this $17,000

Employer contributions count toward the same limit. The limit is generally prorated by month if you were not HSA-eligible for all of 2026, and enrolling in Medicare ends eligibility from that month. Contributions for 2026 can be made until the due date of your 2026 return (IRS Publication 969), so 2026 room is still usable early in 2027.

Your 2026 HSA limit

For a full year of eligibility. A spouse’s own age-55 addition goes into the spouse’s own HSA.

What a 2026 HSA contribution saves you in tax

Enter what you would put in. The tax engine figures your 2026 return with and without it: federal income tax, Social Security and Medicare tax, and state income tax.

2026 federal and state returns as filed (the Tax Table where the form uses it), from the same tax engine as the federal income tax calculator. Your own wages only, no other income, the standard deduction. The limit is $4,400 self-only or $8,750 family, plus $1,000 from age 55. Through payroll the contribution also skips Social Security and Medicare tax; on your own it is deducted from income only. State treatment: California taxes HSA contributions and New Jersey taxes both HSA and FSA contributions, so they get no state saving here; every other state is treated as following the federal exclusion, and city or county income taxes are not included.

See your whole 2026 return in the Return Preview → Enter your W-2 box 1 wages, which are already net of a payroll HSA contribution, and it figures every line of the federal and state return.

Paid tool Deciding between pre-tax contributions now and Roth conversions later is a multi-year bracket problem: every dollar deferred today has to come out later, in a year whose bracket and Medicare surcharge you are also choosing. The Roth Conversion Planner works that schedule: how much to convert in each year from now to your plan end age, the federal and state tax it costs, the IRMAA tier that year’s MAGI sets two years later, and the ACA subsidy it affects — set beside the same years with no conversions at all, and downloadable as a PDF you keep. A planning tool, not advice: the numbers move when your assumptions do. Build my conversion schedule — Personal PRO ($49) → See what is included, and price this year free, first →

An HSA is a retirement account in disguise, and what it saves you depends on the rest of the plan. QuantCalc runs your whole retirement — withdrawals, taxes, Medicare surcharges — year by year, on the 2026 figures above.

Run the free tax-aware simulation →

Common questions

What are the HSA contribution limits for 2026?

The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. If you are 55 or older you can add $1,000. To contribute, your health plan must be an HDHP with a deductible of at least $1,700 (self-only) or $3,400 (family). Sources: IRS Rev. Proc. 2025-19 and IRC §223(b)(3)(B).

Can I still make 2026 HSA contributions in 2027?

Yes, up to the due date of your 2026 return (IRS Publication 969). Designate the deposit as a 2026 contribution.

What are the 2027 HSA limits?

For 2027 the IRS has already set the limits at $4,500 for self-only coverage and $9,000 for family coverage (up from $4,400 and $8,750), with the $1,000 age-55 catch-up unchanged and a minimum HDHP deductible of $1,750 self-only or $3,500 family (IRS Rev. Proc. 2026-24). More on the 2027 HSA limits page.

Sources

Every figure on this page is read at build time from QuantCalc’s tax constants, the same ones the planner runs on, and was checked against the text of the documents above. Every figure with its source: JSON. QuantCalc is calculation software, not tax advice.

Related

2026 401(k) limits → 2026 Roth IRA contribution limits → Early-retirement healthcare costs → HSA rules: eligibility and the triple tax advantage →

An HSA is a retirement account in disguise, and what it saves you depends on the rest of the plan — see the whole picture in the free planner →