2026 Calculator
HSA Calculator
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This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
FAQ
What are the 2026 HSA contribution limits?
For 2026, the HSA contribution limit is $4,300 for self-only coverage and $8,550 for family coverage. Individuals 55 and older can contribute an additional $1,000 catch-up contribution. These limits are set by the IRS annually.
What are the tax benefits of an HSA?
HSAs offer triple tax benefits: contributions are tax-deductible (or pre-tax through payroll), earnings grow tax-free, and withdrawals for qualified medical expenses are tax-free. At 65+, you can withdraw for non-medical expenses penalty-free (taxed as income).
Who is eligible for an HSA in 2026?
To be HSA-eligible, you must be enrolled in a High Deductible Health Plan (HDHP) with a minimum deductible of $1,650 (self) or $3,300 (family) in 2026. You cannot be enrolled in Medicare, claimed as a dependent, or have other disqualifying coverage.