The IRS has increased the health savings account (HSA) contribution limit for 2026 to $4,400 for self-only coverage, and $8,750 for family plans.

To make HSA contributions in 2026, you must have an eligible high-deductible health insurance plan. For 2026, the IRS defines a high deductible as at least $1,700 for self-only coverage or $3,400 for family plans. The plan’s cap on yearly out-of-pocket expenses (deductibles, co-payments and other amounts) can’t exceed $8,500 for individual plans or $17,000 for family coverage.