IRS Announces 2026 HSA, HDHP Limits
Employees will be able to save an additional $100 annually in their health savings accounts (HSAs) next year.
The annual limit on HSA contributions for self-only coverage in 2026 will be $4,400, a 2.3% increase from the $4,300 limit in 2025, the IRS announced. For family coverage, the HSA contribution limit will jump to $8,750 in 2026, up 2.4% from $8,550 in 2025.
The figures met estimates from analysts. Although the jump is welcome news for employees, the past two years have seen smaller rises in contribution limits due to stabilizing inflation.
Meanwhile, for 2026, a high-deductible health plan (HDHP) must have a deductible of at least $1,700 for self-only coverage, up from $1,650 in 2025, or $3,400 for family coverage, up from $3,300 in 2025, the IRS noted. Annual out-of-pocket expense maximums (deductibles, co-payments, and other amounts, but not premiums) cannot exceed $8,500 for self-only coverage in 2026, up from $8,300 in 2025, or $17,000 for family coverage, up from $16,600 in 2025.
The IRS also announced that the excepted-benefit health reimbursement arrangement limit will be $2,200 in 2026, up from $2,150 in 2025. All limits will take effect Jan. 1, 2026.