The Internal Revenue Service (IRS) has announced the 2026 HSA limits.
- The annual contribution limit for individuals with self-only coverage increased from $4,300 to $4,400.
- The annual contribution limit for family coverage increased from $8,550 to $8,750.
- The High Deductible Health Plan (HDHP) minimum deductibles increased from $1,650 to $1,700 for self-only coverage and from $3,300 to $3,400 for family coverage.
- Out-of-pocket maximums increased from $8,300 to $8,500 for self-only coverage and from $16,600 to $17,000 for family coverage.
- The limit for an excepted benefit HRA is increasing from $2,150 to $2,200 in 2026.
The above limits are effective for HSAs for calendar year 2026 and for excepted HRAs for plan years beginning in 2026.
SubscribeTRI-AD will continue to update you as the IRS releases the cost-of-living adjustments for other benefit accounts.
IRS Rev. Proc. 2025-19 containing adjusted limits:
https://www.irs.gov/pub/irs-drop/rp-25-19.pdf
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