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IRS sets new HSA caps for 2026

  • IRS set new HSA contribution caps for 2026, with individual limit at $4,400 and family limit at $8,750.
  • Annual deductibles for HDHPs set at $1,700 for self-only and $3,400 for family under IRS regulations.
  • Employers are reevaluating plan designs and network strategies to cut healthcare costs, with only 20% promoting account-based health plans or HDHPs.
  • Trends show a decline in HDHP adoption due to factors like increased cost sensitivity among employees, leading organizations to focus on improving member experience through digital solutions.

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