What Are the HSA Contribution Limits for 2026?

Health savings accounts (HSAs) continue to grow in popularity. Data collected by Devenir shows that total HSA assets had reached nearly $147 billion across more than 39 million accounts as of December 31, 2024.

An HSA is a tax-advantaged savings account that allows you to set aside money to pay for qualified medical expenses. Contributions are made with pretax dollars, and the funds can grow tax-free and be withdrawn tax-free when used for eligible healthcare costs.

Before you put money into an HSA, it’s important to understand the contribution limits. While the IRS has increased the limits for 2026, your personal contribution cap will depend on several factors, such as your age, whether you have self-only or family coverage, and whether you qualify for catch-up contributions.

Below, we will review the new HSA contribution limits for 2026 and explain how they vary based on coverage type and age. 

What are the HSA contribution limits for 2026?

For the 2026 tax year, the IRS has increased the contribution limits for HSAs. If you have self-only high-deductible health plan (HDHP) coverage, you can contribute up to $4,400 to your HSA. If you have family HDHP coverage, the contribution limit rises to $8,750.

Catch-up contributions for people ages 55 and older

If you’re 55 or older by the end of the tax year and not enrolled in Medicare, you’re allowed to contribute an additional $1,000 to your HSA as a catch-up contribution. This means:

• If you’re 55 or older and have self-only HDHP coverage, you can contribute up to $5,400 in 2026.

• If you’re married and have family HDHP coverage, your standard contribution limit is $8,750 in 2026. 

• If both you and your spouse are age 55 or older and not enrolled in Medicare, each of you can make a $1,000 catch-up contribution to your own HSA. Your total combined family contribution limit is $10,750 in 2026.  

When can you contribute to an HSA for 2026?

You can begin making HSA contributions for the 2026 tax year as early as January 1, 2026. You don’t have to contribute the full amount all at once. You have until the tax filing deadline of April 15, 2027 to reach your annual limit. However, if the IRS extends the tax filing deadline, the HSA contribution deadline will also be extended. 

How do I calculate my maximum HSA contribution amount for 2026?

Your maximum HSA contribution amount for 2026 will depend on several factors, including:

• The type of HDHP you are enrolled in (i.e., self-only or family) 

• Your age

• Which months you are eligible to contribute to an HSA

• Whether you qualify for the HSA last-month rule

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Let’s say that, in 2026, you will:

• Be 43 years old

• Have self-only HDHP coverage 

• Be enrolled in an HDHP for only 6 months

Since you will not be HSA eligible for the entire coverage year, you’ll need to prorate your contribution limit. In this case, you can contribute up to 50% — or 6 months’ worth — of the annual limit. Instead of being able to contribute the full $4,400 to your HSA, your contributions will be capped at $2,200 for 2026.

How do the HSA contribution limits for 2026 compare with the ones for 2025?

HSA contribution limits are increasing from 2025 to 2026. For 2026, the HSA contribution limit is $4,400 for people with self-only coverage, up from $4,300 in 2025. For people with family coverage, the contribution limit for 2026 is $8,750, up from $8,550 in 2025.

Below is an infographic that shows the changes in contribution limits from 2025 to 2026.

What expenses will be HSA eligible in 2026?

If you have an HSA, you will be able to use your funds to pay for a variety of qualified medical expenses tax-free in 2026. These include common healthcare costs like copayments, deductibles, prescription medications, dental work, and vision care. 

You can also invest unused HSA funds and use them in the future, even during retirement. But if you want to save money on healthcare costs in 2026, here are some HSA-eligible expenses you will be about to use your funds for: 

• Allergy medications

• Coinsurance

• Dental care (e.g., cleanings, fillings, and dentures) 

• Eye exams and prescription eyeglasses and contact lenses

• Hearing aids and batteries 

• Menstrual care products (e.g., tampons, pads, period underwear)

• Over-the-counter medications

• Sleep aids

• Wheelchairs and other medical equipment 

You can also use your HSA to pay for prescription medications, including popular medications like: 

• Albuterol (Ventolin) for asthma and breathing difficulties

• Amlodipine (Norvasc, Katerzia, Norliqva) for high blood pressure 

• Atorvastatin (Lipitor, Atorvaliq) for high cholesterol 

• Mounjaro (tirzepatide) for Type 2 diabetes 

• Wegovy (semaglutide) for chronic weight management 

Starting January 1, 2026, you can use your HSA funds to pay for direct primary care (DPC) membership fees. DPC is a healthcare model where you pay your healthcare professional or clinic a flat monthly or annual fee for primary care services instead of billing insurance. Under the One Big Beautiful Bill Act, these membership fees are now considered qualified medical expenses, and DPC arrangements are no longer treated as health plans for HSA purposes. However, the monthly fee must not exceed $150 for an individual or $300 for a family plan.

What expenses will not be HSA eligible in 2026?

In general, you cannot use your HSA for: 

• Expenses reimbursed by your insurance plan or another source

• Nonmedical expenses (unless you're over age 65, in which case withdrawals will be taxed but not penalized) 

• Cosmetic procedures 

Will money in your HSA roll over from the previous year?

Yes, your unused HSA funds will roll over automatically from 2025 to 2026. One of the benefits of an HSA is that you don’t lose unused money at the end of the year. Any remaining balance in your HSA carries over into the next year. Unlike with a flexible spending account (FSA), there is no deadline to spend the funds in an HSA account. 

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Written by:

Charlene Rhinehart, CPA

Charlene Rhinehart, CPA, is a personal finance editor at GoodRx. She has been a certified public accountant for over a decade.

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