IRS Announces 2026 Limits for HSAs and HDHPs

Dear employees,

We’re reaching out with important news about your health benefits for the upcoming year. The IRS released the new 2026 limits for health savings accounts (HSAs) and high deductible health plans (HDHPs). These changes may impact how you plan and save for health care expenses in the year ahead.

Here’s a quick overview of what’s changing for 2026:

HSA Contribution Limits

• Self-only coverage: $4,400 (up from $4,300 in 2025)
• Family coverage: $8,750 (up from $8,550)
• Catch-up contribution (age 55+): $1,000 (unchanged)

HDHP Minimum Deductibles

• Self-only coverage: $1,700 (up from $1,650)
• Family coverage: $3,400 (up from $3,300)

HDHP Maximum Out-of-Pocket Limits

• Self-only coverage: $8,500 (up from $8,300)
• Family coverage: $17,000 (up from $16,600)

If you’re enrolled in an HDHP and eligible to contribute to an HSA, you’ll be able to set aside more pre-tax dollars in 2026.

We will update our benefits materials to reflect these new limits. During open enrollment, you’ll havethe opportunity to adjust your HSA contributions for 2026.