US Treasury Raises 2026 HSA Contribution Limits for Individuals, Families

The IRS has announced inflation-adjusted contribution limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for 2026, with a modest increase from 2025. The individual HSA contribution limit will rise to $4,400, up $100, while the family coverage limit will increase by $200 to $8,750. For HDHPs, the minimum annual deductibles will be set at $1,700 for self-only coverage and $3,400 for family coverage, with out-of-pocket maximums of $8,500 and $17,000 respectively. Additionally, the maximum amount available for excepted benefit health reimbursement arrangements (EBHRAs) will increase slightly to $2,200. HSAs offer a “triple-tax advantage” by allowing pre-tax contributions, tax-free growth, and tax-free withdrawals for qualified expenses, but enrollment in HDHPs has plateaued recently amid rising healthcare costs and employee cost sensitivity. Despite the rising HSA balances reaching nearly $147 billion in 2024, some analyses suggest that HDHP adoption has slowed as employees express lower satisfaction compared to other health plans.