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2026 HSA limits
- Self-only
- $4,400
- Family
- $8,750
- Catch-up 55+
- +$1,000
Assumptions
- Requires an HSA-eligible high-deductible health plan. Withdrawals for qualified medical expenses are tax-free; after 65, other withdrawals are taxed like a traditional IRA.
- California and New Jersey tax HSA contributions at the state level — leave state tax out of the rate there.
Frequently asked questions
What are the 2026 HSA contribution limits?+
$4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up if you're 55 or older. Employer contributions count toward the limit.
Why is an HSA called triple tax-advantaged?+
Contributions are tax-deductible (and skip Social Security and Medicare taxes through payroll), growth is tax-free, and withdrawals for qualified medical expenses are tax-free.
Who can contribute to an HSA?+
You must be covered by an HSA-eligible high-deductible health plan, have no other disqualifying coverage, not be enrolled in Medicare and not be claimed as someone's dependent.
What happens to my HSA after 65?+
It keeps working for medical expenses tax-free. For anything else, withdrawals after 65 are taxed as income — like a traditional IRA — with no penalty.
Related calculators
Uses 2026 rules and limits. Last reviewed October 15, 2026. Calculator version 1.0.0. Sources: IRS Notice 2025-67 (2026 retirement plan limits) · IRS Rev. Proc. 2025-19 (2026 HSA limits). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.