HSA and FSA Contribution Limits 2026

2026 HSA (Health Savings Account) Contribution Limits

• Self-only (individual) HDHP coverage: $4,400 per year 

• Family HDHP coverage: $8,750 per year 

• Catch-up contribution (age 55+): + $1,000, unchanged from prior years

DHP Requirements for HSA Eligibility (2026)

• Minimum deductible: $1,700 (self-only), $3,400 (family)

• Maximum out-of-pocket limit (deductibles, copays, etc., not including premiums): $8,500 (self-only), $17,000 (family) 

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2026 Health FSA (Flexible Spending Account) Contribution Limits

• Health FSA maximum employee salary reduction: $3,300 per year 

• Carryover allowance (if plan permits): up to $660 into the next plan year 

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Summary Table

Account Type	2026 Contribution Limit	Additional Notes
HSA – Self-only	$4,400	+$1,000 catch-up if age 55+
HSA – Family	$8,750	+$1,000 catch-up if age 55+
HSA Requirements	Deductible: $1,700 / $3,400 OOP Max: $8,500 / $17,000	Eligibility via HDHP only
Health FSA	$3,300	Carryover up to $660 if allowed