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2026 HSA/HDHP limits announced: What employers need to know

2026 HSA/HDHP limits announced: What employers need to know

The IRS released its annual inflation-adjusted limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for the 2026 calendar year (Revenue Procedure 2025-19). If your organization offers an HDHP with an HSA, now is the time to review these updates and prepare for open enrollment. 

[Download the full PDF here] 

What’s changing in 2026 

  • The HSA contribution limit is increasing to $4,400 for self-only coverage and $8,750 for family coverage. 

  • The HDHP minimum deductible will rise to $1,700 for self-only and $3,400 for family coverage. 

  • The HDHP out-of-pocket maximum will increase to $8,500 for self-only and $17,000 for family coverage. 

The HSA catch-up contribution for individuals age 55+ remains unchanged at $1,000. 

Why it matters 

Employers sponsoring HDHPs should review their plan designs to ensure compliance with these new limits. Now is also a good time to update employee communications so that workers can take full advantage of the increased HSA contribution opportunities in 2026. 

Get the full chart 

We’ve compiled a side-by-side comparison of the 2025 and 2026 HSA and HDHP limits to make it easy for you to share with your team and plan accordingly. 

Questions? 

If you have questions, contact TruePlan. Our team of advisors can help you with questions within the scope of employee benefits.   

This content is for informational purposes only. It has been partially generated from an AI language model, which may not always be exhaustive or tailored to individual circumstances. We encourage you to contact one of our experts for more information. We assume no liability arising from any use of this content. 

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