HSA-Eligible Health Insurance Guide (2026) - HDHP Requirements
HSA-eligible health insurance requirements: HDHP minimum deductible, out-of-pocket maximum, and HSA contribution eligibility.
Summary
HSA requires HDHP: minimum deductible $1,600 individual, $3,200 family. Out-of-pocket max $8,050 individual, $16,100 family. No other coverage except preventive. HSA triple tax advantage.
Key Steps
- 1HDHP minimum deductible: $1,600 individual, $3,200 family for 2026.
- 2Out-of-pocket maximum: $8,050 individual, $16,100 family.
- 3Preventive care: exempt from deductible, covered first-dollar.
- 4No other coverage: no FSA, no other health insurance except specific exceptions.
- 5HSA contribution: $4,150 individual, $8,300 family, $1,000 catch-up 55+.
- 6Triple advantage: tax-free contributions, growth, withdrawals for medical.