2026 HSA and HDHP Limits Released - HR ALERTS

2026 HSA and HDHP Limits Released – Plan Ahead Now

On May 1, 2025, the IRS released the inflation-adjusted limits for Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs) for 2026. Staying ahead of these changes is key for open enrollment planning, budgeting, and benefit design conversations in the months to come.

Here’s a snapshot of what’s changing:

HSA Contribution Limits (2026):

• Self-only coverage: $4,400 (↑ $100 from 2025)

• Family coverage: $8,750 (↑ $200 from 2025)

• Catch-up (age 55+): $1,000 (unchanged)

HDHP Minimum Deductibles (2026):

• Self-only: $1,700

• Family: $3,400

HDHP Out-of-Pocket Maximums (2026):

• Self-only: $8,500

• Family: $17,000

Note: These amounts apply regardless of whether the HDHP covers essential health benefits (EHBs).

ACA Out-of-Pocket Maximums for 2026 (Proposed):

• Self-only: $10,150

• Family: $20,300

Unlike HDHP limits, the ACA maximums apply only to in-network EHBs and affect all non-grandfathered health plans.

Get day-to-day updates on 2026 HSA and HDHP Limits visit the Vida HR Knowledge Center (Vida HR Clients Exclusive).