Rev. Proc. 2025-19, 2026 HSA limits
IRS · checked 2026-10-04
The app uses the figures and rules named on that page. It does not replace the page.
health · official figure · reviewed 2026-10-04
Find 2026 HSA Contribution Room
The 2026 HSA limit is $4,400 for self-only coverage and $8,750 for family coverage. Employer deposits count toward the limit.
What this guide helps you do
Subtract contributions already made from the 2026 HSA limit in Rev. Proc. 2025-19.
The figure that changes the result
An employer deposit uses the same annual limit as your own deposit.
Checking a plan notice against an old $4,300 figure takes about 15 minutes and overstates the room.
Who this is for
A person with a high-deductible health plan who needs the remaining 2026 HSA amount.
Steps
Step 1
Confirm the plan is a high-deductible health plan for 2026.
Step 2
Add your deposits and the employer deposits.
Step 3
Use $4,400 or $8,750 from the revenue procedure.
Step 4
Add $1,000 only if you are 55 or older and otherwise eligible.
Step 5
Stop if you are enrolled in Medicare. Medicare enrollment ends HSA eligibility.
Worked example
Self-only coverage has a $4,400 limit. After $1,000 of deposits, $3,400 remains. The catch-up is off in that example.
$3,400.00 of 2026 HSA room remains.
- Base limit: $4,400.00.
- Catch-up included: $0.00.
- Already contributed: $1,000.00.
- Room: $3,400.00.
Self-only HDHP coverage uses the $4,400 limit in Rev. Proc. 2025-19.
Where this goes wrong
Family coverage is not twice the self-only limit. $8,750 is the family figure. A deposit made by an employer still counts. Do not add the catch-up unless you confirmed it.
What the source says
Limits
The tool does not test the minimum deductible or the out-of-pocket cap.
Partial-year eligibility can reduce the limit. This tool uses the full-year figure.
The $1,000 catch-up is statutory and is added only when you select it.
This tool gives general information. It is not medical advice. Speak to a licensed clinician before you make a health decision.
This tool gives general information. It is not financial or tax advice. Confirm the numbers with the provider or a licensed adviser before you act.
Use the current instruction from the agency named above. This guide is a planning aid, not an official decision.
Free companion app
Subtract contributions already made from the 2026 HSA limit in Rev. Proc. 2025-19.
Open Subtract HSA Deposits from the 2026 Limit
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