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), 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.
Starting in 2026, HDHPs may include high-deductible bronze and catastrophic plans, and participants in qualifying direct primary care (DPC) arrangements remain HSA-eligible. This expansion was enacted in the One Big Beautiful Act.
Related Resources
- Investment Account Profiles Hub, all account categories.
- Investment Account Types Overview, how HSAs compare with FSAs and other tax-advantaged accounts.
- U.S. Rule & Limit Tracker, searchable registry of current HSA limits and HDHP thresholds.