---
title: "Health & HSA Account Profiles"
description: "Sourced profile for the Health Savings Account (HSA): 2026 contribution limits $4,400 self-only and $8,750 family, HDHP requirements."
canonical: https://www.getswoopr.com/accounts/health/
source: "Swoopr Investment: https://www.getswoopr.com"
---

## Direct Answer



Sourced profile for the Health Savings Account (HSA): 2026 contribution limits $4,400 self-only and $8,750 family, HDHP requirements.





      


# Health & HSA Account Profiles




Sourced profiles for tax-advantaged health savings accounts. The Health Savings Account is the primary vehicle in this category, offering a unique triple tax advantage available to individuals enrolled in a qualifying high-deductible health plan. 2026 limits are from IRS Rev. Proc. 2025-19. These pages do not provide personalized financial or medical advice.






## Health Account Profiles



- [Health Savings Account (HSA)](https://www.getswoopr.com/accounts/health-savings-account-hsa/), triple tax advantage: pre-tax contributions, tax-free growth, tax-free qualified medical withdrawals; 2026 limits $4,400 (self-only) and $8,750 (family); requires qualifying HDHP; $1,000 age-55+ catch-up contribution; funds roll over indefinitely; can be invested after reaching custodian threshold; becomes penalty-free general savings at age 65.








## 2026 HDHP Minimum Requirements



| Requirement | Self-Only | Family |
| --- | --- | --- |
| Minimum deductible | $1,700 | $3,400 |
| Maximum out-of-pocket | $8,500 | $17,000 |



Source: IRS Rev. Proc. 2025-19. Verify current thresholds at [IRS Publication 969](https://www.irs.gov/publications/p969).



Starting in 2026, bronze and catastrophic plans available as individual coverage through an Exchange are treated as HDHPs even if they do not meet the usual deductible and out-of-pocket requirements, and people in direct primary care arrangements with combined monthly fees of no more than $150 (or $300 for more than one person) remain HSA-eligible. These changes were enacted in the One, Big, Beautiful Bill Act.








## Related Resources



- [Investment Account Profiles Hub](https://www.getswoopr.com/accounts/), all account categories.
- [Investment Account Types Overview](https://www.getswoopr.com/learn/taxes-and-rules/investment-account-types/), how HSAs compare with FSAs and other tax-advantaged accounts.
- [U.S. Rule & Limit Tracker](https://www.getswoopr.com/tools/us-investment-rule-and-limit-tracker/), searchable registry of current HSA limits and HDHP thresholds.





      



## References



- [IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans](https://www.irs.gov/publications/p969)
- [IRS: 2026 HSA Contribution Limits](https://www.irs.gov/newsroom/irs-announces-2026-hsa-hdhp-and-excepted-benefit-hra-amounts)








**[Swoopr Editorial Team](https://www.getswoopr.com/authors/swoopr-editorial-team/)**



The Swoopr Editorial Team produces sourced investment education content for independent investors. All account profiles cite IRS primary sources with verification dates. See our [editorial policy](https://www.getswoopr.com/legal/editorial-policy/) and [corrections policy](https://www.getswoopr.com/legal/corrections-policy/).