For 2026, the IRS set the HSA contribution limit at $4,400 for self-only HDHP coverage and $8,750 for family coverage. Workers 55 and older can add a $1,000 catch-up on top. You have until April 15, 2027 to fund the 2026 limit.
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Source: IRS Revenue Procedure 2025-19, which sets the 2026 limits. These limits apply to contributions made from January 1, 2026 through the April 15, 2027 deadline.
If you're still finalizing a 2025 contribution before the April 15, 2026 deadline, the numbers are slightly different. Both years sit open during the January to April overlap, so it matters which year you designate when you fund the account.
You can only contribute to an HSA if you're enrolled in a qualifying high-deductible health plan. For 2026, the plan must meet these minimums and maximums:
If your plan falls outside these ranges, you're not HSA-eligible for 2026 regardless of what the policy is called. Disqualifying coverage includes a general-purpose FSA, a spouse's non-HDHP plan that covers you, or Medicare enrollment.
Every dollar that lands in your HSA counts toward the annual limit, no matter who contributed it. Employer seed money, match contributions, and your own payroll deferrals all add up against the same $4,400 or $8,750 cap.
If your employer contributes $750 to your self-only HSA in 2026, your personal contribution ceiling is $3,650, not $4,400. Going over triggers a 6% excise tax on the excess for every year it stays in the account.
Employer contributions already come out pre-tax and show up on your W-2 in Box 12 with code W. You don't deduct them again on your tax return. Personal contributions made outside of payroll are what get the above-the-line deduction on Form 8889.
The simplest way to max out is to divide the limit by the number of paychecks left and set payroll to contribute that amount per check. If you haven't, a top-off contribution before April 15, 2027 closes the gap.
Log into your HSA provider and pull year-to-date contributions. Include employer seed money in the total.
Divide the remaining amount by paychecks left. For $8,750 family coverage over 12 months, that's ~$729/month.
Set a reminder for early April 2027 to check if a top-off contribution is needed before the 2026 window closes.
For 2026, the HSA contribution limit is $4,400 for self-only HDHP coverage and $8,750 for family HDHP coverage. These limits come from IRS Revenue Procedure 2025-19 and apply to contributions made between January 1, 2026 and April 15, 2027.
You can add a $1,000 catch-up contribution on top of the regular limit. For 2026 that means $5,400 total for self-only coverage or $9,750 for family coverage. The catch-up is allowed for anyone who turns 55 at any point during the tax year and is not yet enrolled in Medicare.
Yes, but each spouse needs their own HSA in their own name. The IRS rule is that the catch-up contribution cannot be made into a spouse's HSA. If only one spouse has an HSA, only that spouse's $1,000 catch-up can be deposited there.
Yes. Employer contributions, including payroll deductions you elect and any employer match or seed money, all count toward the combined $4,400 or $8,750 limit. If your employer puts in $1,000 for family coverage, you can personally contribute up to $7,750 for the rest of the year.
For 2026, an HDHP must have a minimum deductible of $1,700 for self-only coverage or $3,400 for family coverage, with an out-of-pocket maximum no higher than $8,500 (self-only) or $17,000 (family). You must be enrolled in an HDHP and have no other disqualifying coverage (like a general-purpose FSA).
Divide the limit by 12 and set your payroll contribution to that amount. For 2026 family coverage at $8,750, that's about $729 per month. If you start mid-year, bump the monthly amount to catch up, or plan a personal contribution before April 15, 2027 to top off the year.
Free reminder for early April 2027 so you can top off before the 2026 contribution window closes. Every dollar under the limit is a lost deduction.
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