The IRS on Thursday issued its annual inflation-adjusted amounts for health savings accounts next year, with small increases across the board as inflation cools.
In Revenue Procedure 2025-19, the IRS said for calendar-year 2026 the annual contribution limit for an individual with self-only coverage under a high-deductible health plan will be $4,400, up $100 from $4,300 in 2025. Last year, the amount climbed $150 from $4,150 in 2024.
For an individual with family coverage, the amount is $8,750, an increase of $200 from $8,550 in 2025 and $450 from $8,300 in 2024.
- Related article: IRS Increases HSA Contribution Limits for 2025
- Related article: IRS Bumps Up HSA Contribution Limits for 2024
For calendar-year 2026, a “high-deductible health plan” is defined by the IRS as a health plan with an annual deductible no less than $1,700 for self-only coverage or $3,400 for family coverage, and for which the annual out-of-pocket expenses (deductibles, copayments, and other amounts, but not premiums) don’t exceed $8,500 for self-only coverage or $17,000 for family coverage.
The latest consumer price index numbers show inflation stabilizing. The CPI for March decreased 0.1% on a monthly basis and rose 2.4% for the 12 months ending in March.
However, the slowdown in inflation could be temporary until the widespread tariffs imposed by President Donald Trump begin to increase prices in many categories. Most economists expect inflation to rise again in the coming months.
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