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If you have a Health Savings Account (HSA) or are thinking about one, the IRS has announced the new contribution limits for 2026. These annual inflation adjustments are designed to keep pace with rising costs.

The IRS has increased the health savings account, or HSA, contribution limit for 2026 to $4,400 for self-only coverage, and $8,750 for family plans. You must have an eligible high-deductible health insurance plan to qualify for contributions.

HSAs are available only to people with a high-deductible health plan, which the IRS defines for 2026 as a plan with an annual deductible that is not less than $1,700 for self-only coverage or $3,400 for family coverage. The corresponding 2025 numbers are $1,650 and $3,300.

Rev. Proc. 2025-19 also includes the revised maximum amount that may be made newly available for excepted-benefit health reimbursement arrangements.