Hi all, good news. In case you missed it, the feds recently released the new HSA limits for 2026. If you’re someone who takes advantage of a Health Savings Account (HSA) or is thinking about it, there’s definitely good news on the horizon. Whether you’re a seasoned saver or just getting started, understanding these changes can help you make the most of your tax-advantaged dollars.
Let’s break down what’s new and how it compares to 2025.
📈 2026 HSA Contribution Limits
For the 2026 tax year, the IRS has increased the annual contribution limits for HSAs:
• Individual Coverage: $4,300 (up from $4,150 in 2025)
• Family Coverage: $8,550 (up from $8,300 in 2025)
• Catch-Up Contribution (age 55 and older): Remains at $1,000
🔍 2025 vs. 2026: Side-by-Side Comparison
🧠 Why This Matters
HSAs are one of the most tax-advantaged accounts available:
• Contributions are tax-deductible
• Growth is tax-free
• Withdrawals for qualified medical expenses are tax-free
✅ Tips to Maximize Your HSA in 2026
1. Contribute Early and Often: The sooner you contribute, the more time your money has to grow.
2. Invest Your HSA Funds: Many HSAs offer investment options once you reach a certain balance.
3. Save Receipts: You can reimburse yourself later—even years down the line.
4. Use It Strategically: Consider paying out-of-pocket for minor expenses and letting your HSA grow.
Final Thoughts
The 2026 HSA updates are a reminder of the power of small, consistent contributions. Whether you’re using your HSA for current medical expenses or saving for the future, these new limits give you more room to grow your healthcare nest egg.
Are you planning to adjust your contributions in 2026 or would you like to get onboard with an HSA? Tired of overpaying for healthcare and taxes? An HSA alongside an HSA-eligible medical plan might really help!
Please let us know if you’d like help looking at setting up an HSA or an HSA medical plan. We’d love to help!!
As always, thanks for the read. We appreciate you and hope this was helpful!!!
Ryan
