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HSA contribution limits: Inflation to drive a slight bump in 2026

  • The IRS released 2026 HSA contribution limits with a modest increase to match inflation rates: self-only coverage limit rising to $4,400 and family coverage limit rising to $8,750.
  • Definition of high-deductible health plans (HDHP) for 2026: minimum deductible for self-only coverage increasing to $1,700 and maximum out-of-pocket limit to $8,500; for family coverage, minimum deductible rising to $3,400 and maximum out-of-pocket costs to $17,000.
  • Excepted benefit health reimbursement arrangement (EBHRA) limit is increasing to $2,200 for 2026.
  • HSAs are considered a key financial tool for financial wellness, providing triple-tax advantages and tax-free savings for eligible expenses, playing a crucial role in financial wellness offerings for organizations.

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