What are the contribution limits on a Health Savings Account (HSA)?
Yearly, the IRS sets a limit on how much you can contribute to your HSA; see below for current limits. Contributions to an HSA are also tax-deductible. If you are 55 or older by the end of the tax year, you can make an additional catch-up contribution of $1,000 to your HSA. If your spouse is also 55 or older, they may establish a separate HSA and make a “catch-up” contribution to that account.
| Plan Year | Individual Plan | Family Plan | Catch-up Contribution (for adults 55 or older) |
|---|---|---|---|
| 2026 | $4,400.00 | $8,750.00 | $1,000.00 |
| 2027 | $4,500.00 | $9,000.00 | $1,000.00 |