The IRS has released Revenue Procedure 2025-19, which provides information on the limits for Health Savings Accounts (HSAs) for the 2026 calendar year. The annual contribution limit on deductions for individuals with self-only coverage under a high deductible health plan will be $4,400 (up $100 from 2025). The contribution limit for an individual with family coverage will be $8,750 (up $200 from 2025). Please note that the catch-up contribution limit, available to individuals who are 55 and older, remains at $1,000 per year.
Minimum Deductible for HDHP:
In order for a health insurance plan to be considered a “High Deductible Health Plan” for 2026, the deductible must be at least $1,700 (up $50) for self-only coverage and $3,400 (up $100) for family coverage.
Maximum Out-of-Pocket:
For 2026, out-of-pocket expenses may not exceed $8,500 (up $200) for self-only coverage and $17,000 (up $400) for family coverage.
These changes will go into effect for calendar year 2026. Please note that these limits are subject to change.
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