HSA Limits 2026
What are the 2026 limits for HSA accounts? Annual contribution limits, minimum deductibles, and out-of-pocket maximums for health savings accounts (HSAs) are shown below.
You can contribute to an HSA if you are covered under a high deductible health plan (HDHP) and meet certain other requirements.
NEW IN 2026 – If you enrolled in a Bronze level plan via your state’s Marketplace in 2026, your plan is HSA-compatible and you are eligible to contribute to a Health Savings Account (HSA).
This is a new change for 2026.
2025/2026 Annual HSA Contribution Limitation
The maximum HSA contributions for 2025 and 2026 are:
| 2025 | 2026 | |
| HSA contribution limit (employer + employee) |
(Plus catch-up of $1000 if over 55) |
(Plus catch-up of $1000 if over 55) |
2025/2026 High Deductible Health Plan
For calendar years 2025 and 2026, a high deductible health plan (HDHP) is defined as a health plan with:
| 2025 | 2026 | |
| HDHP minimum deductible |
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| HDHP maximum out-of-pocket (deductibles, co-payments and other amounts, but not premiums) |
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All Bronze level plans purchased on your state’s Marketplace are HSA compatible in 2026.
Is an HSA Compatible Plan Right For Me?
An HSA compatible plan may be right for you if you are generally in good health, and if you are in a higher income tax bracket. But since each situation is different, please check with us!
