Stay connected
Subscribe to our Inside WEX blog and follow us on social media for the insider view on everything WEX, from payments innovation to what it means to be a WEXer.
Health Savings Accounts (HSA)
2026 HSA contribution limits increase to $4,400, $8,750
Key takeaways – 2026 HSA contribution limits
- 2026 HSA contribution limits will increase to $4,400 and $8,750 for self-only and family HSAs, respectively.
- 2026 HDHP minimum deductible and maximum out-of-pocket limits also are increasing.
Health savings account (HSA) contribution limits are on the rise again in 2026. The IRS announced that 2026 HSA contribution limits will increase to $4,400 for self-only HSAs and to $8,750 for family HSAs. These are increases of $100 and $200, respectively, from 2025 HSA limits.
What are the 2025 and 2026 HSA contribution limits?
| HSA | 2025 | 2026 |
| Self-only contribution limit | $4,300 | $4,400 |
| Family contribution limit | $8,550 | $8,750 |
What are the 2025 and 2026 HDHP amounts/limits?
2026 high-deductible health plan (HDHP) amounts and expense limits also increased. The 2026 HDHP minimum deductible is $1,700 for self-only coverage and $3,400 for family coverage. The maximum out-of-pocket limits for 2026 are $8,500 for self-only and $17,000 for family.
| HDHP (self-only coverage) | 2025 | 2026 |
| Minimum deductible: | $1,650 | $1,700 |
| Maximum out-of-pocket limit: | $8,300 | $8,500 |
| HDHP (family coverage) | 2025 | 2026 |
| Minimum deductible: | $3,300 | $3,400 |
| Maximum out-of-pocket limit: | $16,600 | $17,000 |
What are the 2025 and 2026 EBHRA limits?
The excepted benefit HRA (EBHRA) limits for 2026 will also increase to $2,200.
| EBHRA | 2025 | 2026 |
| Limit | $2,150 | $2,200 |
The state of HSAs today
Devenir’s 2024 year-end HSA research report shows there are nearly $147 billion in HSA assets nationwide in more than 39 million accounts. Almost 9 percent of HSAs have at least a portion of their funds invested.
When can HSA participants change their contributions?
One of the perks of an HSA is that participants can change their contribution amount at any time!
Who is eligible for an HSA?
Your employees must be enrolled in an HSA-eligible health plan (or HDHP) to be eligible to participate in an HSA.
Whose purchases can a participant spend their HSA funds on?
An HSA participant can use their funds to pay for eligible expenses for:
- Themselves
- Their spouse
- Any HSA eligible dependents claimed on their tax return
- Anyone they could have claimed as a dependent but weren’t able to
What happens when a participant contributes more to their HSA than is allowed?
Any funds contributed beyond what the IRS allows are included on a participant’s W-2 as taxable income, plus be subject to a 6% excise tax.
How do HSA catch-up contributions work?
HSA participants who are 55 years of age or older can contribute an extra $1,000 annually. That means these HSA participants eligible for catch-up contributions have 2026 limits of $5,400 for self-only and $9,750 for family coverage.
The information in this blog post is for educational purposes only. It is not legal or tax advice. For legal or tax advice, you should consult your own legal counsel, tax and investment advisers.
WEX receives compensation from some of the merchants identified in its blog posts. By linking to these products, WEX is not endorsing these products.