2026 HSA and HDHP Limits: What You Need to Know

The U.S. Treasury Department has officially announced the 2026 contribution limits for Health Savings Accounts (HSAs) and the updated requirements for High Deductible Health Plans (HDHPs).

What Is an HSA?

A Health Savings Account (HSA) is a tax-advantaged account that allows individuals and employers to contribute funds to pay for qualified medical expenses. To open and contribute to an HSA, a person must be enrolled in an HDHP and must not have other disqualifying health coverage.

2026 HSA Contribution Limits

The IRS has raised the contribution limits for 2026:

• Individual coverage: $4,400 (up $100 from 2025)

• Family coverage: $8,750 (up $200 from 2025)

For individuals aged 55 and older, the catch-up contribution remains unchanged at $1,000, allowing additional savings before enrolling in Medicare.

2026 HDHP Requirements

To qualify as an HDHP in 2026, plans must meet the following minimum deductible and maximum out-of-pocket thresholds:

• Minimum annual deductible

  • Individual: $1,700 (up $50 from 2025)

  • Family: $3,400 (up $100 from 2025)

• Maximum out-of-pocket expenses

  • Individual: $8,500 (up $200 from 2025)

  • Family: $17,000 (up $400 from 2025)

Why This Matters

These updates are essential for employers updating their benefit offerings, individuals managing healthcare budgets, and brokers guiding clients through plan design and tax-saving strategies. Staying on top of these changes ensures compliance and maximizes

savings potential.

Have questions about how these updates could affect your plan? Reach out—we're here to help simplify your healthcare planning for 2026.