Short answer: If you are age 55 or older, you can contribute an extra $1,000 to your HSA each year, as long as you are HSA-eligible and have your own HSA.
An HSA catch-up contribution is an additional amount that individuals age 55 or older may contribute to their Health Savings Account each year. It is intended to help people increase their healthcare savings as they approach retirement.
To qualify, you must be at least age 55 by the end of the tax year and otherwise eligible to contribute to an HSA. This means you must be enrolled in an HSA-qualified high-deductible health plan, have no disqualifying coverage, not be enrolled in Medicare, and not be claimed as someone else’s tax dependent.
The catch-up contribution is $1,000 per year and is in addition to the standard annual HSA contribution limit. The catch-up amount has not changed for 2026.
If both spouses are age 55 or older and HSA-eligible, each spouse may make a catch-up contribution, but only to their own individual HSA. Catch-up contributions cannot be shared or combined into a single account.
For 2026, this means an eligible individual age 55 or older may contribute up to $5,400 with self-only coverage ($4,400 plus the $1,000 catch-up). With family coverage, the maximum is $9,750 per eligible person age 55 or older who has their own HSA.
Sources
- IRS, FAQs on Health Savings Accounts – Catch-Up Contributions: https://www.irs.gov/faqs/health-savings-accounts-hsas
- IRS, Publication 969 – Health Savings Accounts: https://www.irs.gov/forms-pubs/about-publication-969
Content history
Originally published: March 27, 2025
Last reviewed: January 26, 2026