The Internal Revenue Service (IRS) recently issued Revenue Procedure 2025-19 establishing health savings account (HSA) contribution limits for the 2026 calendar year. Beginning January 1, 2026, individuals with self-only coverage can annually contribute up to $4,400 to their HSA. Those with family coverage may make up $8,750 in annual contributions.
HSAs are tax-exempt accounts that help people save money for eligible medical expenses. To qualify for an HSA, the policyholder
- must be enrolled in an HSA-qualified, high deductible health plan (HDHP),
- must not be covered by other non-HDHP health insurance or Medicare, and
- cannot be claimed as a dependent on a tax return.
| HEALTH SAVINGS ACCOUNT (HSA) LIMITS | 2026 | 2025 |
| SELF-ONLY CONTRIBUTION (employee + employer) |
$4,400 | $4,300 |
| FAMILY CONTRIBUTION (employee + employer) |
$8,750 | $8,550 |
| SELF-ONLY HDHP MINIMUM DEDUCTIBLE | $1,700 | $1,650 |
| FAMILY HDHP MINIMUM DEDUCTIBLE | $3,400 | $3,300 |
| SELF-ONLY HDHP MAXIMUM OUT-OF-POCKET | $8,500 | $8,300 |
| FAMILY HDHP MAXIMUM OUT-OF-POCKET | $17,000 | $16,600 |
For additional information, contact your Bukaty benefits consultant at 913.345.0440.
