Inflation-adjusted amounts for health savings accounts are headed up in 2026, according to the Internal Revenue Service, though not at levels seen in recent years.
The agency said for calendar year 2026, the annual limitation on deductions for an individual with self-only coverage under a high deductible health plan will be $4,400, up from $4,300 this year.
Among other increases for 2026:
The annual limitation on deductions for an individual with family coverage under a high deductible health plan is $8,750, up from $8,550 in 2023. A “high deductible health plan” will be a plan with an annual deductible that is not less than $1,700 for self-only coverage (up $50 from 2025) or $3,400 for family coverage (from $3,300 in 2025), and for which annual out-of-pocket expenses (but not premiums) are less than $8,500 for self-only coverage (up $100 from this year) or $17,000 for family coverage (up from this year’s $16,600).The maximum amount that may be made newly available for the plan year for an excepted-benefit health reimbursement arrangement is $2,200, up $2,150 from 2025.
These increases are smaller than those in recent years, which were fueled by high inflation.
