2026 HSA Changes
HSA details
2026 HSA Contribution Limits (IRS Inflation Adjustments)
For calendar year 2026, the IRS has updated the maximum amounts you can contribute to an HSA:
2026 Limit
Self only HSA contribution $4,400
Family HSA Contribution $8,550
Catch-Up (Age 55+) $1,000
2026 HDHP Requirements (to Qualify for an HSA)
To be eligible to contribute to an HSA, you must be enrolled in a qualifying High-Deductible Health Plan (HDHP). For 2026, the IRS increased the HDHP thresholds:
Minimum Deductibles (2026):
- Self-Only: $1,700 (up from $1,650)
- Family: $3,400 (up from $3,300)
Maximum Out-of-Pocket Limits (2026):
- Self-Only: $8,500 (up from $8,300)
- Family: $17,000 (up from $16,600)
These limits apply to deductible, copays, and coinsurance but not premiums.
Major Policy Changes Starting in 2026
Beyond just numeric limits, the IRS and federal tax law have introduced policy changes expanding who can contribute to an HSA:
1. Broader Eligibility
Starting January 1, 2026:
- Bronze and Catastrophic health plans — including many ACA Marketplace plans — are treated as qualifying HDHPs for HSA purposes, even if they don’t meet the traditional HDHP definition.
- 2. Telehealth/Remote Care Safe Harbor
- Telehealth and other remote care services are permanently allowed before meeting the deductible without losing HSA eligibility (effective Jan 1, 2025, continuing for 2026).
3. Direct Primary Care (DPC) Allowed
- Costs for certain Direct Primary Care arrangements (with IRS-set monthly caps) won’t disqualify you from contributing to an HSA — and you can use HSA funds tax-free for them.