Short answer: For 2026, you can contribute up to $4,400 with self-only coverage or $8,750 with family coverage. If you’re age 55 or older, you can contribute an additional $1,000.
The IRS sets annual contribution limits for Health Savings Accounts (HSAs) based on your coverage type and age. These limits include all contributions made to your HSA during the year, whether they come from you, your employer, or anyone else.
For 2026, the HSA contribution limits are $4,400 for self-only coverage and $8,750 for family coverage.
If you are age 55 or older by the end of the year, you may contribute an additional $1,000 catch-up amount. Catch-up contributions must be made to the HSA of the individual who is age 55 or older.
If you are only HSA-eligible for part of the year, your contribution limit may be prorated based on the number of months you were eligible. Contributions for a given year can generally be made up until the federal tax filing deadline for that year.
Sources
- IRS, Notice 2026-05 (2026 HSA contribution limits): https://www.irs.gov/pub/irs-drop/n-26-05.pdf
- IRS, Revenue Procedure 2025-19 (2026 inflation-adjusted amounts for HSAs/HDHPs): https://www.irs.gov/pub/irs-drop/rp-25-19.pdf
Content history
Originally published: March 27, 2025
Last reviewed: January 26, 2026