Direct Answer
The HSA contribution limit for 2026 is $4,400 for self-only HDHP coverage or $8,750 for family coverage. Those age 55 or older can contribute an additional $1,000 catch-up. You must be enrolled in a qualifying high-deductible health plan to contribute.
HSA Contribution Limits by Year
HSA limits, HDHP minimums, and out-of-pocket maximums (2010-2026)
OOPM = Out-of-pocket maximum. All amounts are IRS limits for qualifying HDHPs under IRC Section 223.
| Year | Self-Only Limit | Family Limit | Catch-up (55+) | Min. Deductible (Self) | Min. Deductible (Family) | OOPM (Self) | OOPM (Family) |
|---|---|---|---|---|---|---|---|
| 2010 | $3,050 | $6,150 | $1,000 | $1,200 | $2,400 | $5,950 | $11,900 |
| 2011 | $3,050 | $6,150 | $1,000 | $1,200 | $2,400 | $5,950 | $11,900 |
| 2012 | $3,100 | $6,250 | $1,000 | $1,200 | $2,400 | $6,050 | $12,100 |
| 2013 | $3,250 | $6,450 | $1,000 | $1,250 | $2,500 | $6,250 | $12,500 |
| 2014 | $3,300 | $6,550 | $1,000 | $1,250 | $2,500 | $6,350 | $12,700 |
| 2015 | $3,350 | $6,650 | $1,000 | $1,300 | $2,600 | $6,450 | $12,900 |
| 2016 | $3,350 | $6,750 | $1,000 | $1,300 | $2,600 | $6,550 | $13,100 |
| 2017 | $3,400 | $6,750 | $1,000 | $1,300 | $2,600 | $6,550 | $13,100 |
| 2018 | $3,450 | $6,900 | $1,000 | $1,350 | $2,700 | $6,650 | $13,300 |
| 2019 | $3,500 | $7,000 | $1,000 | $1,350 | $2,700 | $6,750 | $13,500 |
| 2020 | $3,550 | $7,100 | $1,000 | $1,400 | $2,800 | $6,900 | $13,800 |
| 2021 | $3,600 | $7,200 | $1,000 | $1,400 | $2,800 | $7,000 | $14,000 |
| 2022 | $3,650 | $7,300 | $1,000 | $1,400 | $2,800 | $7,050 | $14,100 |
| 2023 | $3,850 | $7,750 | $1,000 | $1,500 | $3,000 | $7,500 | $15,000 |
| 2024 | $4,150 | $8,300 | $1,000 | $1,600 | $3,200 | $8,050 | $16,100 |
| 2025 | $4,300 | $8,550 | $1,000 | $1,650 | $3,300 | $8,300 | $16,600 |
| 2026 | $4,400 | $8,750 | $1,000 | $1,700 | $3,400 | $8,500 | $17,000 |
Source: IRS Publication 969: Health Savings Accounts and Other Tax-Favored Health Plans. Last verified: September 2026. Verify current-year figures at IRS.gov before making decisions.
Frequently asked questions
What are the HSA contribution limits for 2026?
For 2026, the HSA contribution limit is $4,400 for self-only coverage or $8,750 for family coverage. People age 55 or older can contribute an additional $1,000 catch-up contribution. You must be enrolled in a qualifying HDHP to contribute to an HSA.
Can I use HSA funds for non-medical expenses?
You can withdraw HSA funds for non-medical expenses without penalty once you reach age 65. Before that, non-qualified withdrawals are subject to income tax plus a 20% penalty. After age 65, non-qualified withdrawals are taxed as ordinary income but carry no penalty, making the HSA behave like a traditional IRA.
What is a triple tax advantage?
HSAs offer three tax benefits: contributions are tax-deductible (or pre-tax via payroll), earnings grow tax-free, and qualified medical withdrawals are tax-free. No other commonly available account offers all three. Many financial planners recommend maximizing HSA contributions and investing them for long-term growth rather than spending them on current medical costs.
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If you reference this table in your own work, use the following citation format and add the date you accessed it:
Swoopr Editorial Team. (2026). HSA Contribution Limits by Year. Swoopr Investment. https://www.getswoopr.com/tables/retirement/hsa-contribution-limits/
Check the figures against the primary sources listed under References before you rely on or republish them; the series they come from are revised.