HSA Contribution Limits Guide (2026) - Health Savings Account

Summary

HSA contribution limits 2026: $4,150 individual, $8,300 family. Catch-up $1,000 age 55+. Triple tax advantage: tax-free contributions, growth, and withdrawals for medical.

Key Steps

1. 1Individual limit: $4,150 for 2026.
2. 2Family limit: $8,300 for 2026.
3. 3Catch-up: additional $1,000 for age 55+.
4. 4Eligibility: HDHP required, no other health coverage, not enrolled in Medicare.
5. 5Triple tax advantage: contributions pre-tax, growth tax-free, withdrawals tax-free for medical.
6. 6Investment option: invest HSA funds for long-term growth.