The IRS has announced new HSA contribution limits for 2026, with updates impacting employer-sponsored benefits and financial planning. Staying informed on these changes helps organizations manage healthcare costs while supporting employees' financial wellness.
The latest adjustments are:
| Self-only coverage | 2025 | 2026 | Change |
|---|---|---|---|
| Maximum annual HSA contribution | $4,300 | $4,400 | +$100 |
| Minimum annual deductible for HDHP | $1,650 | $1,700 | +$50 |
| Maximum annual out-of-pocket expense limit for HDHP | $8,300 | $8,500 | +$200 |
| Family coverage | 2025 | 2026 | Change |
|---|---|---|---|
| Maximum annual HSA contribution | $8,550 | $8,750 | +$200 |
| Minimum annual deductible for HDHP | $3,300 | $3,400 | +$100 |
| Maximum annual out-of-pocket expense limit for HDHP | $16,600 | $17,000 | +$400 |
These increases reflect cost-of-living adjustments, aimed at maintaining HSA value and ensuring HDHPs remain financially viable.
With rising healthcare costs, businesses must proactively evaluate their benefit offerings. Higher HSA limits allow employees to save more for medical expenses tax-free, reducing their financial burden while helping employers manage costs efficiently.
Key considerations for employers:
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