Short answer: Yes. All HSA contributions—made by you, your employer, or anyone else—count toward the same annual IRS limit.
The IRS sets one annual contribution limit for each HSA, and that limit applies to the total amount contributed from all sources combined.
This means employer contributions reduce how much you can contribute on your own. Whether the money comes from your paycheck, an employer contribution, or a third party, it all counts toward the same annual cap.
For 2026, the HSA contribution limits are:
- Self-only coverage: $4,400
- Family coverage: $8,750
- Catch-up contribution (age 55 or older): Additional $1,000
Catch-up contributions are allowed only for individuals who are age 55 or older and HSA-eligible, and they must be made to that individual’s own HSA.
Employer contributions are generally excluded from your taxable income and are typically reported on your Form W-2 in Box 12 using code W. Because employer contributions often occur automatically, it’s important to monitor total contributions throughout the year to avoid exceeding the annual limit.
Sources
- IRS, Publication 969 – Health Savings Accounts: https://www.irs.gov/forms-pubs/about-publication-969
- IRS, Instructions for Form 8889 – Health Savings Accounts: https://www.irs.gov/instructions/i8889
Content history
Originally published: March 27, 2025
Last reviewed: January 29, 2026