2026 HSA contribution limits
| Coverage | 2026 limit | Age 55+ |
|---|---|---|
| Self-only | $4,400 | $5,400 |
| Family | $8,750 | $9,750 |
The limit includes what your employer puts in. To contribute, you need a high-deductible health plan with a deductible of at least $1,700 (self-only) or $3,400 (family) in 2026.
How HSA tax savings work
An HSA is the only account with a triple tax advantage: money goes in tax-free, grows tax-free and comes out tax-free for qualified medical expenses. Contributing through payroll also skips Social Security and Medicare tax.
Example: putting $3,400 in through payroll in the 22% bracket with a 5% state tax saves $3,400 × (22% + 5% + 7.65%) = $1,178.10 this year. With your employer's $1,000, that's $4,400 going in each year; left invested at 6% for 20 years, it grows to about $161,857.
Using an HSA as a retirement account
If you can pay medical bills from your pocket now, keeping receipts, you can leave the HSA invested and reimburse yourself years later, tax-free. After 65, you can withdraw for any reason, paying only income tax, like a traditional IRA. Compare with other accounts using the 401(k) calculator.
Frequently asked questions
What is the HSA limit for 2026?
$4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up if you're 55 or older. Employer contributions count toward the limit.
Does HSA money roll over?
Yes. Unlike an FSA, there's no use-it-or-lose-it rule. The money stays yours, even if you change jobs or health plans.
Can I invest my HSA?
Most HSA providers let you invest in mutual funds once your cash balance passes a minimum, often $1,000 to $2,000. Invested growth is tax-free.
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