---
title: IRS establishes 2026 HSA and HDHP limits
description: The IRS has increased savings amounts for 2026 HSAs. Individuals will be able to contribute $4,400 to their HSA next year, $8,750 for families
---

[Bukaty Bulletins](https://insights.bukaty.com/bulletins)

# [IRS establishes 2026 HSA and HDHP limits](https://insights.bukaty.com/bulletins/irs-establishes-hsa-and-hdhp-limits-for-2026)

 Written by [Bukaty Companies](https://insights.bukaty.com/bulletins/author/bukaty-companies) | May 5, 2025

The Internal Revenue Service (IRS) recently issued [Revenue Procedure 2025-19](https://www.irs.gov/pub/irs-drop/rp-25-19.pdf?utm_campaign=2023%20Benefit%20bulletins&utm_source=hs_email&utm_medium=email&_hsenc=p2ANqtz-9GDUdKaH9XaiJRBkHweTJrAsVSCOfv3zw2VOMBWhw7NDMSBX8xOIq1aH5KI6ZIjDzLSOPg) 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.

[View full post](https://insights.bukaty.com/bulletins/irs-establishes-hsa-and-hdhp-limits-for-2026)

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