HSA Contribution Limits Calculator
Find your maximum HSA contribution for 2026. Includes catch-up contributions for those 55+ and adjustments for employer contributions.
Family coverage includes spouse and/or dependents
If you turn 55+ during 2026, you qualify for catch-up contributions
Use the number of full months you were HSA-eligible. The last-month rule and testing period are not modeled.
This counts toward your annual limit
$4,400
$4,400
You can contribute $4,400after employer contributions.
After your employer's $0 contribution
$366.67/eligible month
To max out your HSA during the modeled eligibility period
2026 HSA Limits at a Glance
| Coverage | Base Limit | With Catch-Up (55+) |
|---|---|---|
| Self-Only | $4,400 | $5,400 |
| Family | $8,750 | $9,750 |
Source: IRS Rev. Proc. 2025-19. Reviewed 2026-07-29.
Key Rules for HSA Contributions
- Employer contributions count toward your limit. If your employer contributes $1,000 and your limit is $4,400, you can only add $3,400.
- Catch-up contributions are per person. If both spouses are 55+, each can add $1,000 to their own HSA.
- Mid-year coverage changes? A monthly limit generally applies. A last-month rule may change the result but has a testing period, so verify it before contributing.
Historical Limits (2020-2026)
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Build a ScenarioFrequently Asked Questions
What are the 2026 HSA contribution limits?
For 2026, the maximum HSA contribution is $4,400 for individuals with self-only HDHP coverage and $8,750 for those with family HDHP coverage. If you are age 55 or older and not enrolled in Medicare, you can contribute an additional $1,000 as a catch-up contribution.
Who is eligible to contribute to an HSA for 2026?
To be eligible for HSA contributions in 2026, you must be covered by a High Deductible Health Plan (HDHP) with a minimum deductible of $1,700 for self-only coverage or $3,400 for family coverage. Your HDHP's maximum out-of-pocket must not exceed $8,500 for self-only or $17,000 for family coverage. You also cannot have any other disqualifying health coverage, such as Medicare, or be claimed as a dependent on someone else's tax return.
How do employer contributions affect my HSA limit?
Any contributions made by your employer to your HSA count towards your overall annual contribution limit. For example, if your employer contributes $1,000 to your family HSA, and the limit is $8,750, you can personally contribute up to an additional $7,750.
What if I was only HSA-eligible for part of the year?
If you are only HSA-eligible for a portion of the year, your contribution limit is prorated. You can contribute 1/12th of the annual limit for each month you were eligible. For instance, if you became eligible for self-only coverage for 6 months in 2026, your limit would be (6/12) * $4,400 = $2,200.
What happens if I over-contribute to my HSA?
If you contribute more than the allowable limit, the excess contributions are subject to a 6% excise tax. You must remove the excess contributions and any earnings attributable to them by the tax filing deadline (including extensions) to avoid penalties. Consult a tax advisor if this occurs.
Can married couples contribute to separate HSAs?
Yes, if both spouses are HSA-eligible, they can each open and contribute to their own HSA. However, if one spouse has family HDHP coverage, both spouses are treated as having family coverage, and the combined household limit for 2026 is $8,750 (plus any applicable catch-up contributions). If filing separately, each spouse can contribute up to $3,750, with a combined household limit of $7,500.
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