---
title: 2026 HSA and HDHP Limits
description: The IRS announced the 2026 inflation-adjusted limits for health savings accounts (HSAs) and high deductible plans (HDHPs).
---

[Employee Benefit News for School, City and County Employers ](https://blog.nisbenefits.com)

# [2026 HSA and HDHP Limits](https://blog.nisbenefits.com/2026-hsa-hdhp-limits)

 Written by [Adam Kuck](https://blog.nisbenefits.com/author/adam-kuck) | May 13, 2025 12:16:23 PM

*1 minute read*

On May 1, 2025, the IRS announced the 2026 inflation-adjusted limits for health savings accounts (HSAs) and high deductible plans (HDHPs). The IRS must publish these limits by June 1st of each year.

These limits include the following:

- The maximum HSA contribution limit;
- The minimum deductible amount for HDHPs; and
- The maximum out-of-pocket expense limit for HDHPs.

HSA contribution limits for 2026 are $4,400 for self-only HDHP coverage and $8,750 for family coverage, with an additional $1,000 catch-up contribution for those 55 and older.

For 2026, the minimum deductible for HDHPs rises to $1,700 for individuals and $3,400 for families, while the maximum out-of-pocket limit increases to $8,500 for individuals and $17,000 for families.

| **Type of Limit** | **2025** | **2026** | **Change** |  |
| --- | --- | --- | --- | --- |
| **HSA Contribution Limit** | Self-only | $4,300 | $4,400 | **Up $100** |
| Family | $8,550 | $8,750 | **Up $200** |  |
| **HSA Catch-up Contributions *(not subject to adjustment for inflation)*** | Age 55 and older | $1,000 | $1,000 | No change |
| **HDHP Minimum Deductible**   | Self-only | $1,650 | $1,700 | **Up $50** |
| Family | $3,300 | $3,400 | **Up $100** |  |
| **HDHP Maximum Out-of-Pocket Expense Limit *(deductibles, copayments and other amounts, but not premiums)*** | Self-only | $8,300 | $8,500 | **Up $200** |
| Family | $16,600 | $17,000 | **Up $400** |  |

 

## **Action Steps**

Employers with HDHPs should review cost-sharing limits and update HSA contribution communications for the 2026 plan year. Also, employers allowing employees to make pre-tax HSA contributions should update their plan communications with the increased contribution limits. Download the[ bulletin](https://blog.nisbenefits.com/hubfs/blog-supporting-docs/bulletin-hsa-hdhp-limits-2026.pdf) for more details.

[View full post](https://blog.nisbenefits.com/2026-hsa-hdhp-limits)

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