The Internal Revenue Service has raised the annual contribution limit to a health savings account to $4,400 for an individual and $8,750 for a family for the 2026 calendar year.
The current limit is $4,300 for an individual and $8,550 for a family.
HSAs are available only to people with a high-deductible health plan, which the IRS defines for 2026 as a plan with an annual deductible that is not less than $1,700 for self-only coverage or $3,400 for family coverage. The corresponding 2025 numbers are $1,650 and $3,300.
The IRS also says annual out-of-pocket expenses (deductibles, co-payments and other amounts, but not premiums) for a high-deductible health plan cannot exceed $8,500 for single coverage or $17,000 for family coverage in 2026. The corresponding numbers for this calendar year are $8,300 and $16,100.
