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IRS 2026 HSA limits

HSA Contribution Limit Calculator

The 2026 HSA contribution limit from IRS Rev. Proc. 2025-19, including the age-55 catch-up and a check of whether a plan’s deductible and out-of-pocket maximum qualify as an HDHP.

Your numbers

How much can go into an HSA in 2026?

The cap is the IRS figure for the year, plus $1,000 if you are 55 or older, times the months you were actually eligible. Employer money counts.
2026 LIMITS

IRS Revenue Procedure 2025-19irs-hsa-limits-2026-v1

Catch-up starts the year you turn 55
monthsCovered by a qualifying HDHP on the first day of the month
$Employee, employer, and anyone else, combined
Turns off the last-month rule. It does not zero the year unless you enter zero eligible months.
Full annual limit if eligible on 1 December, provided you stay eligible through next 31 December
Check whether this plan is an HDHP

Optional. The IRS test is on deductible and out-of-pocket maximum, not on the metal tier.

$Minimum $1,700
$Maximum $8,500. Premiums do not count.

2026 HSA contribution limit

$4,400$4,400 of room left after what you already put in.
Self-only base limit$4,400
Age-55 catch-up$0
Room left$4,400
HDHP testNot checked
How we got this
  1. Self-only contribution limitRev. Proc. 2025-19 for calendar year 2026$4,400
  2. Age-55 catch-upApplies in the year you turn 55, if you are still HSA-eligible.$0
  3. Months countedEach eligible month is 1/12 of the annual limit, then rounded to the nearest dollar.12 of 12
  4. 2026 contribution limit$4,400 × 12/12$4,400
  5. Room left this yearEmployer contributions and yours share this cap.$4,400
What we assumed
  • The contribution limit is a combined cap: employee, employer, and anyone else putting money in this HSA all count.
  • Catch-up is per eligible person and per HSA. A spouse who is 55 or older needs their own HSA to use their own $1,000.
  • Last-month rule lets you use the full annual limit if you are eligible on 1 December, but only if you stay eligible through the following 31 December. Failing that testing period recaptures the extra.
  • Enrolling in any part of Medicare ends HSA eligibility for later months. Enter only the months before enrollment; the last-month rule cannot apply after Medicare starts.
  • A bronze or catastrophic Marketplace plan is not automatically an HDHP. The deductible and out-of-pocket test is the one Rev. Proc. 2025-19 prints. Both numbers are required before this page will call a plan an HDHP.
Technical details

Method irs-hsa-v1.1.0Data irs-hsa-limits-2026-v1

Guide

How the 2026 HSA cap is applied

CostAnswer editorialIndependent calculator publisher

The annual contribution limit is the IRS figure for self-only or family HDHP coverage, plus $1,000 in the year you turn 55, times the months you were eligible. Employer deposits count against the same cap. A plan that fails the deductible or out-of-pocket test is not an HDHP, so the limit is zero.

What Rev. Proc. 2025-19 actually sets

For 2026 the self-only cap is $4,400 and the family cap is $8,750. A qualifying HDHP must have a deductible of at least $1,700 or $3,400 and an out-of-pocket maximum no higher than $8,500 or $17,000. Those out-of-pocket figures exclude premiums. The $1,000 catch-up at 55 is in the Code, not in the revenue procedure, because Congress never indexed it.

Months and Medicare

Each month you are eligible on the first day is 1/12 of the annual amount. The last-month rule lets you use the full year if you are eligible on 1 December, but only if you remain eligible through the next 31 December. Enrolling in any part of Medicare ends eligibility for later months: enter those earlier months, and do not use the last-month rule after Medicare starts.

Questions about this calculator

What is the HSA contribution limit for 2026?

$4,400 for self-only HDHP coverage and $8,750 for family coverage, plus $1,000 if you are 55 or older by year-end and still eligible. Employer contributions share that cap.

Does a bronze Marketplace plan let me contribute to an HSA?

Only if that plan meets the IRS deductible and out-of-pocket tests for the year. Metal tier is not the test. Type the two numbers from the Summary of Benefits; the page will say whether they qualify.

Can my spouse and I both take the $1,000 catch-up?

Yes, if each of you is 55 or older and each of you has your own HSA. Family coverage does not put $2,000 of catch-up into one account.

Terms used here

HSA
Health Savings Account. Contributions are capped per year and per eligible individual, not per household, except that family HDHP coverage uses the family base limit.
HDHP
High deductible health plan, defined by a minimum deductible and a maximum out-of-pocket amount the IRS publishes each year.
Last-month rule
A full-year contribution if you are HSA-eligible on 1 December, provided you stay eligible through the following 31 December.

Practical tips

  • Add what your employer already deposited before you decide how much to put in from pay.
  • If you will enroll in Medicare this year, enter only the months before enrollment. Checking Medicare here turns off the last-month rule and, if you had 12 months filled in, resets the months to zero so you have to type the real count.

Limits and caveats

  • Not tax advice, not a Form 8889, and not a determination that you are an eligible individual.
  • Over-contributions can be subject to a 6% excise tax if left uncorrected. This page does not compute that tax.

Results are for information. They are not legal, tax, medical, or financial advice. How the math is maintained · Report a wrong figure.

Engine notes

Rounding, versioning, and omissions that sit beside the guide rather than repeating it.

  • Two published caps, plus a statutory catch-up. For 2026, Rev. Proc. 2025-19 sets $4,400 for self-only coverage and $8,750 for family coverage. The extra $1,000 at age 55 is IRC §223(b)(3). It has never been inflated.
  • Months, then the last-month rule. Each month you are eligible on the first day counts as 1/12 of the annual limit, rounded to the nearest dollar. Eligible on 1 December, you may use the full annual amount — only if you remain eligible through the following 31 December. Failing that testing period recaptures the extra. Medicare enrollment ends eligibility for later months, so enter only the months before it, and do not use the last-month rule after it starts.
  • The HDHP test is two numbers. A 2026 HDHP needs a deductible of at least $1,700 self-only or $3,400 family, and an out-of-pocket maximum no higher than $8,500 or $17,000. Premiums are not in that out-of-pocket figure. Both numbers are required before this page will call a plan an HDHP. A bronze plan is not automatically one.
  • One cap, every dollar. Employee, employer, and anyone else contributing to the same HSA share the limit. A spouse’s catch-up belongs in the spouse’s own HSA.

Calculation receipt

What each number here is

This answer is built from published figures. Each one is named below, with the release it came from.

VERIFIEDIRS HSA and HDHP dollar limits · Calendar year 2026
Sets the figures this answer is made of. Without it the page says so rather than estimating.

If a source above is unavailable or out of date: The annual cap and the HDHP tests are figures the IRS publishes each year. Last year’s cap is a wrong answer, not an old one.

Sources

Where this data comes from

IRS Revenue Procedure 2025-19Calendar year 2026 HSA annual limitation, HDHP minimum deductible, HDHP maximum out-of-pocket, and excepted-benefit HRA maximum.IRB 2025-21 · 2026 amounts ↗IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health PlansThe $1,000 additional contribution for an eligible individual who turns 55 before the close of the tax year, which IRC §223(b)(3) does not index.Verified 2026-09-08 ↗

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