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HSA Limit 2026

The only triple-tax-advantaged account. Know your exact 2026 number.

HSA limits look simple — $4,400 self-only, $8,750 family for 2026 — until real life intervenes: employer contributions count against the same limit, part-year eligibility pro-rates it, each 55+ spouse needs their own catch-up in their own account, and Medicare enrollment ends the whole thing. This calculator applies the actual IRS rules from Rev. Proc. 2025-19 and Pub 969 and tells you the exact dollar room you have left.

Why people use this

HDHP enrollees use it at open enrollment and after any mid-year change: employer money, part-year eligibility, and the 55+ catch-up all move the number, and overfunding costs a 6% excise tax. It also surfaces the payroll FICA trick most benefits portals never mention.

How it works

1. Pick self-only or family HDHP coverage.
2. Check the age-55 catch-up boxes — each qualifying spouse gets their own $1,000.
3. Enter how many months you are HSA-eligible this year (the limit pro-rates by month).
4. Enter your employer's contribution — it counts toward the same limit.
5. Read your exact limit, remaining room, monthly auto-contribution, and tax savings.

Common questions

What is the HSA contribution limit for 2026?

$4,400 for self-only HDHP coverage and $8,750 for family coverage, per IRS Rev. Proc. 2025-19. If you are 55 or older (and not on Medicare), add a $1,000 catch-up — $5,400 or $9,750. Both spouses 55+ with family coverage can reach $10,750, but each catch-up must go into that spouse's own HSA. The limit covers all sources combined: your payroll deferrals plus anything your employer contributes.

What if I was only HSA-eligible for part of the year?

The limit pro-rates: 1/12 of the annual limit per eligible month. Self-only, eligible 7 months of 2026 → $4,400 × 7/12 ≈ $2,567. The exception is the last-month rule: if you are HSA-eligible on December 1, you may contribute the full year's limit — but you must stay eligible through the following December or the extra is taxed plus a 10% penalty.

Why contribute through payroll instead of directly?

Payroll contributions skip FICA — an extra 7.65% saved on top of the income-tax deduction. On a $4,400 contribution at the 24% bracket, that is $1,056 of income tax plus $337 of FICA, $1,393 total. Direct contributions still get the income-tax deduction but not the FICA break. Note the traps: Medicare enrollment ends eligibility (with a 6-month retroactive catch when delaying past 65), and excess contributions carry a 6% excise tax per year until removed.

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