An HSA lets you save pre-tax dollars for medical costs when enrolled in an HDHP. In 2026, you can contribute up to $4,400 (self-only) or $8,750 (family), and funds roll over every year with no expiration.
Quick Answer: An HSA is triple-tax-advantaged: contributions go in pre-tax, balances grow tax-free, and withdrawals for qualified expenses are tax-free. You must be enrolled in an [IRS-qualified HDHP](/glossary/hdhp) with a 2026 minimum deductible of $1,700 (self-only) or $3,400 (family). Funds roll over year to year and are portable if you change jobs. Check your [ACA income limits](/aca-income-limits) before choosing an HDHP over a subsidized Marketplace plan.
| Coverage Type | 2026 HSA Limit | HDHP Min Deductible (2026) | HDHP OOP Max (2026) |
|---|---|---|---|
| Self-only | $4,400 | $1,700 | $8,500 |
| Family | $8,750 | $3,400 | $17,000 |
| Catch-up (age 55+) | +$1,000 | N/A | N/A |
Source: [IRS Rev. Proc. 2025-19](https://www.irs.gov/irb/2025-21_IRB#RP-2025-19). HDHP OOP max includes deductibles, copays, and coinsurance but not premiums.
Source: https://www.irs.gov/irb/2025-21_IRB#RP-2025-19
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$4,400 for self-only and $8,750 for family coverage in 2026. If you are 55 or older and not yet on Medicare, you can add a $1,000 catch-up contribution. Contributions can be made until the tax deadline (typically April 15, 2027) for the 2026 tax year. Source: IRS Rev. Proc. 2025-19.
You must be covered by an HDHP with a minimum deductible of $1,700 (self-only) or $3,400 (family) in 2026. You cannot contribute if enrolled in Medicare, claimed as a dependent on another return, or covered by a non-HDHP general health plan. The [federal poverty level](/federal-poverty-level) does not directly affect HSA eligibility.
HSA contributions reduce your MAGI, which can increase eligibility for a [Premium Tax Credit](/glossary/premium-tax-credit). In 2026, the ACA subsidy cliff returned at 400% of the federal poverty level. HSA deductions can help households stay under that threshold and qualify for Marketplace subsidies. See [Medicaid income limits](/medicaid-income-limits) if you may qualify for Medicaid instead.
You may qualify for free health insurance.
Our 2-minute screener checks Medicaid, ACA, Medicare, CHIP, and more. Most uninsured Americans qualify for $0/month coverage they didn't know about.