HSA Contribution Limits 2025 and 2026
HSChange Editorial Team
Health Policy Research Team, Consumer Health Guidance
Reviewed by Dr. Sarah Mitchell, MD, MPH, Board-Certified Internal Medicine
Last updated: April 4, 2026
The IRS adjusts HSA contribution limits every year for inflation. If you have a High Deductible Health Plan and want to maximize your tax-free medical savings, here are the current and upcoming limits.
2025 HSA Limits
Self-only coverage: $4,300. Family coverage: $8,550. Catch-up contribution (age 55+): $1,000. HDHP minimum deductible: $1,650 (self) / $3,300 (family). HDHP maximum out-of-pocket: $8,300 (self) / $16,600 (family). Source: IRS Revenue Procedure 2024-25.
2026 HSA Limits
Self-only coverage: $4,400. Family coverage: $8,750. Catch-up contribution (age 55+): $1,000 (unchanged, set by statute). HDHP minimum deductible: $1,700 (self) / $3,400 (family). HDHP maximum out-of-pocket: $8,500 (self) / $17,000 (family). Source: IRS Revenue Procedure 2025-19.
Year-Over-Year Change
The increase from 2025 to 2026 is $100 for self-only (2.3%) and $200 for family (2.3%). The catch-up amount hasn't changed since HSAs were created in 2003. It's set by law, not adjusted for inflation.
What Counts as a Contribution
The limit includes everything: your contributions, your employer's contributions, and any other deposits. If your employer puts in $1,000, your personal limit drops by $1,000. You have until the tax filing deadline (typically April 15) to make contributions for the prior year. Excess contributions are subject to a 6% penalty.
Telehealth and HSA Eligibility
Under the One Big Beautiful Bill Act, HDHP enrollees can now use telehealth and remote care services before meeting their deductible without losing HSA eligibility. This was a temporary provision during COVID that has been made permanent for plan years beginning on or after January 1, 2025.