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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), 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, 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, 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.