2026 HSA Contribution Limit: How Much Can You Still Contribute
The 2026 contribution limit for a Health Savings Account (HSA) is $4,400 if your HDHP coverage is self-only and $8,750 if it is family coverage, per IRS Publication 969. This calculator shows how much room you have left for the year.
Read the evergreen explainer →
HSA vs health FSA vs dependent-care FSA: which account in 2026.
Last-month HDHP on December 1 can still unlock the full $4,400: HSA last-month rule vs FSA year-end.
Age 55 adds $1,000: HSA catch-up $5,400 / $9,750.
An HSA is a savings account for qualified medical expenses tied to a high-deductible health plan (HDHP). It has a triple tax advantage: contributions are deductible, growth is tax-free, and withdrawals for qualified medical expenses are tax-free.
This page covers U.S. limits (IRS). It does not apply to Mexico or Guatemala law.
limit = $4,400 (self-only) or $8,750 (family) + $1,000 if age 55+
remaining = max(0, limit − year-to-date contributions) over limit = max(0, year-to-date contributions − limit)
2026 HSA limits
| HDHP coverage type | 2026 limit |
|---|---|
| Self-only | $4,400 |
| Family | $8,750 |
Worked example
You have family coverage and have contributed $3,000 this year:
- Limit: $8,750
- Room left: $5,750
- Over limit: $0
With self-only coverage and $4,000 contributed: room left = $4,400 − $4,000 = $400.
If you already contributed $5,000 under self-only: the excess is $5,000 − $4,400 = $600, and the calculator flags it.
Catch-up 55+
Check Age 55 or older in the form to add the IRS $1,000 catch-up. Self-only becomes $5,400; family becomes $9,750.
| Age | Self-only | Family |
|---|---|---|
| Under 55 | $4,400 | $8,750 |
| 55 or older | $5,400 | $9,750 |
What this calculator does not include
- Employer contributions: they count against the same annual cap, even when your company makes them.
- Mid-year coverage changes and the last-month rule.
- Eligibility restrictions (disqualifying coverage, other non-HDHP plans).
Your contributions and your employer's share together use the same annual limit of $4,400 or $8,750.
Educational estimate based on IRS Publication 969 for 2026. To use an HSA you must be enrolled in an HDHP and meet eligibility rules. Confirm with a tax professional.
Self-only or family?
- Self-only: your HDHP covers only you.
- Family: at least one additional family member is covered under your HDHP.
- Use the coverage you have when you contribute; changing it mid-year can change your real limit.
If you also save for retirement, check the 2026 IRA contribution limit; it is a separate account with its own cap.
Family leftover: $8,750. $2,400 YTD leaves $6,350. Late-year leftover: $6,000 YTD leaves $2,750. Self-only leftover: $1,800 YTD leaves $2,600. Self-only leftover after $3,000: $1,400 left.
Official sources
- IRS Publication 969 — Health Savings Accounts and Other Tax-Favored Health Plans
- IRS — About Publication 969
$4,400 for self-only HDHP coverage and $8,750 for family coverage, per IRS Publication 969.
It depends on your HDHP coverage: self-only if it covers just you, family if it covers you plus at least one additional family member.
Yes. Contributions your employer makes and your own contributions add up against the same annual limit of $4,400 or $8,750.
Generally no: to contribute to an HSA you must be enrolled in a high-deductible health plan and meet the IRS eligibility requirements.
The calculator shows the excess. Contributions above the limit can trigger taxes and should usually be corrected in time. Confirm with your tax preparer.
Yes. Mark Age 55 or older to add the IRS $1,000 catch-up: self-only $5,400, family $9,750 (Pub. 969).