{
  "title": "HSA Rules 2026: Eligibility, the Triple Tax Advantage and Tax-Free Withdrawals",
  "canonical": "https://quantcalc.app/hsa-rules/",
  "license": "CC-BY-4.0",
  "date_modified": "2026-11-04",
  "generator": "scripts/gen_health_reference_pages.mjs",
  "sources": [
    {
      "url": "https://www.law.cornell.edu/uscode/text/26/223",
      "label": "26 U.S.C. §223 (health savings accounts)"
    },
    {
      "label": "IRS Rev. Proc. 2025-19",
      "url": "https://www.irs.gov/pub/irs-drop/rp-25-19.pdf"
    },
    {
      "label": "IRS Rev. Proc. 2026-24",
      "url": "https://www.irs.gov/pub/irs-drop/rp-26-24.pdf"
    },
    {
      "label": "IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans",
      "url": "https://www.irs.gov/publications/p969"
    },
    {
      "label": "IRS Publication 502, Medical and Dental Expenses",
      "url": "https://www.irs.gov/publications/p502"
    }
  ],
  "data": {
    "limits": {
      "self_2026": "$4,400",
      "family_2026": "$8,750",
      "catch_up": "$1,000",
      "hdhp_min_deductible": [
        "$1,700",
        "$3,400"
      ],
      "hdhp_oop_max": [
        "$8,500",
        "$17,000"
      ],
      "self_2027": "$4,500",
      "family_2027": "$9,000"
    },
    "example": {
      "saved": {
        "federal": 968,
        "fica": 336.60000000000036,
        "state": 0,
        "total": 1304.6000000000004,
        "stateNote": null,
        "route": "payroll"
      },
      "contributed": 88000,
      "afterTaxDeposit": 3095.3999999999996,
      "hsa": 171567.99737334525,
      "taxable": 108716.25741737706,
      "advantage": 62851.739955968194
    }
  }
}