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IRS Issues Health Savings Account (HSA) limits for 2026

By Bailey Finney
May 1, 2025

The IRS has issued (Rev. Proc. 2025-19) the inflation-adjusted limits for Health Savings Accounts for 2026. The 2026 amounts, and the comparable amounts for 2025 and 2024:


       2024         2025            2026
HSA Contribution limit: Single plans  4,150  4,300  4,400
HSA Contribution limit: Family plans  8,300  8,550  8,750
       
Minimum deductible, Single plans    1,600  1,650  1,700
Minimum deductible, Family plans  3,200  3,300  3,400
       
Out-of-pocket cap, Single plans  8,050  8,300  8,500
Out-of-pocket cap, Family plans  16,100  16,600  17,000

 

A "catch-up" contribution is allowed for HSA holders who are 55 or older by the end of the tax year. Those participants can contribute and extra $1,000 over the annual HSA contribution limit for the year. So, a contribution of $5,400 for a singe plan or up to $10,750 for a family plan is allowed for 2026 if the participants are over the age of 55.

Health Savings Accounts are IRA-like accounts designed to accumulate funds for coverage of out-of-pocket health costs. Qualifying contributions generate an "above-the-line" deduction on 1040s, with no phaseouts for high-income filers.

HSAs are often overlooked as a personal financial planning tool. The high deductible can lower health insurance costs for qualifying taxpayers. For higher-income individuals, the combination of an up-front deduction and tax-deferred accumulation of earnings on savings make them a powerful savings vehicle. 

To learn more about whether HSAs should be part of your financial planning, contact a member of the Eide Bailly Wealth Planning team or your local Eide Bailly professional.

 

 

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