HSA Contribution Limits by Year (2019–2026)
The IRS adjusts HSA contribution limits annually for inflation. The table below lists every limit from 2019 through 2026 with links to the official IRS Rev. Proc. source document for each year.
2025 and 2026 HSA Contribution Limits at a Glance
Full Table: HSA Limits 2019–2026
Catch-up contribution is $1,000 for all years shown (statutory, not inflation-adjusted). Limits shown are the annual maximum per eligible individual.
| Year | Self-Only | Self-Only + Catch-Up | Family | Family + Catch-Up | IRS Source |
|---|---|---|---|---|---|
| 2026 ★ | $4,400 | $5,400 | $8,750 | $9,750 | Rev. Proc. 2025-19 |
| 2025 | $4,300 | $5,300 | $8,550 | $9,550 | Rev. Proc. 2024-25 |
| 2024 | $4,150 | $5,150 | $8,300 | $9,300 | Rev. Proc. 2023-23 |
| 2023 | $3,850 | $4,850 | $7,750 | $8,750 | Rev. Proc. 2022-24 |
| 2022 | $3,650 | $4,650 | $7,300 | $8,300 | Rev. Proc. 2021-25 |
| 2021 | $3,600 | $4,600 | $7,200 | $8,200 | Rev. Proc. 2020-32 |
| 2020 | $3,550 | $4,550 | $7,100 | $8,100 | Rev. Proc. 2019-25 |
| 2019 | $3,500 | $4,500 | $7,000 | $8,000 | Rev. Proc. 2018-30 |
★ = current tax year. Limits verified against IRS Rev. Proc. documents, June 12, 2026.
HDHP Minimum Deductible Requirements
To contribute to an HSA, you must be enrolled in a qualifying High Deductible Health Plan. For 2026, the IRS defines an HDHP as a plan with a minimum annual deductible of $1,700 (self-only) or $3,400 (family), per Rev. Proc. 2025-19. Out-of-pocket maximums are $8,500 (self-only) and $17,000 (family).
Use the HSA Tax Savings Calculator
Knowing the limit is one thing — knowing how much it saves you in taxes is another. Use the HSA Triple-Tax Benefit Calculator to see your exact federal, FICA, and state tax savings for 2025 or 2026 based on your specific income and bracket.
Frequently Asked Questions
For 2025, the IRS allows up to $4,300 for self-only HDHP coverage and $8,550 for family coverage, per Rev. Proc. 2024-25. If you are 55 or older, you can add a $1,000 catch-up contribution for totals of $5,300 (self) and $9,550 (family).
For 2026, the limits increased to $4,400 (self-only) and $8,750 (family), per IRS Rev. Proc. 2025-19. With the $1,000 catch-up for age 55+, the maximums are $5,400 and $9,750.
IRS adjusts HSA contribution limits annually for inflation using the Consumer Price Index. The increases reflect the general rise in healthcare costs. The $1,000 catch-up contribution amount is set by statute and does not adjust for inflation.
Yes, each spouse can have their own HSA if both are enrolled in qualifying HDHPs. The combined contributions across both accounts cannot exceed the family limit ($8,750 in 2026). If both have self-only HDHPs, each contributes up to the self-only limit.
Excess contributions are subject to a 6% excise tax each year they remain in the account. To avoid the penalty, withdraw the excess amount plus any earnings on it before your tax filing deadline (typically April 15, or October 15 with an extension).