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 c...