2026 HSA Updates Announced

In 2026, employees will be able to save an additional $100 annually in their health savings account (HSA). For 2026, a high-deductible HSA must have an annual deductible of not less than $1,700 for self-only coverage; $3,400 for family coverage.

The HSA must also meet the following limits.

2026 annual contribution limits:

• $4,400 for individual, self-only coverage;

• $8,750 for family coverage; and

• $1,000 catch-up contribution (age 55+).

2026 limits on out-of-pocket expenses:

• $8,500 for individual, self-only coverage; and

• $17,000 for family coverage.

Sources: Rev. Proc. 2025-19, 2025-21, IRB 1447