| 2026 | Self-only | Family |
|---|---|---|
| HSA contribution limit | $4,400 | $8,750 |
| Catch-up (age 55+) | +$1,000 | +$1,000 per eligible spouse (own HSA) |
| HDHP minimum deductible | $1,700 | $3,400 |
| HDHP out-of-pocket maximum | $8,500 | $17,000 |
Things people miss
- Employer money counts toward the limit. If your employer puts in $1,000, your own room is the limit minus $1,000.
- Payroll contributions skip FICA (7.65%), so they save more than contributions you make on your own and deduct.
- You can contribute for 2026 until the tax filing deadline in April 2027.
- From 2026, bronze and catastrophic marketplace plans count as HSA-eligible (IRS Notice 2026-5). See bronze plans and HSAs.
Run your own numbers: HSA vs PPO calculator (2026) · HSA per-paycheck calculator.
General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.