How much you can put in an HSA this year (2026)

Pick who is on the health plan and whether you are 55 or older this year. We look up the official yearly dollar. Not tax advice.

Who is on the plan and whether you are 55 or older are required.

Who is on the health plan? Just you means only you are covered (the IRS calls this self-only). You and family means a spouse or dependents are on the same plan (the IRS calls this family). Those are the two official yearly caps.

Are you 55 or older this year? If you are 55 or older at the end of the year, the IRS lets you put in an extra $1,000. That extra is from IRS Publication 969.

Sources

Dollars on this page come only from these official links. Last opened 2026-08-25. If a case is not on those pages, we do not invent a dollar.

Source	What we use	Official page
Rev. Proc. 2025-19 (PDF)	2026 yearly HSA cap $4,400 just you, $8,750 you and family. The plan has to have a yearly deductible of at least $1,700 just you / $3,400 you and family. Yearly out-of-pocket costs (not premiums) cannot go past $8,500 just you / $17,000 you and family.	Rev. Proc. 2025-19 (PDF)
IRB 2025-21 (Rev. Proc. 2025-19)	Same 2026 HSA dollars as published in Rev. Proc. 2025-19	2025-21 Internal Revenue Bulletin
IRS Publication 969	An eligible person age 55 or older at year-end may add $1,000. The example on that page uses 2025 ($4,300 + $1,000 = $5,300). For 2026 the same extra $1,000 applies on top of $4,400 / $8,750.	Publication 969

What this number is

This is how much you can put in an HSA this year.
Just you is $4,400. You and family is $8,750. Those are the official 2026 yearly caps.
If you are 55 or older at the end of the year, you may add $1,000. That extra is from IRS Publication 969. The example there uses 2025 ($4,300 + $1,000 = $5,300). For 2026 the extra is the same $1,000 on top of $4,400 or $8,750.
To use an HSA, the health plan has to have a yearly deductible of at least $1,700 (just you) or $3,400 (you and family). Yearly out-of-pocket costs — deductibles, copays, and other amounts, not premiums — cannot go past $8,500 (just you) or $17,000 (you and family). Those are the plan rules that have to be true, not a second contribution limit.
We do not have official dollars here for mid-year coverage changes, more than one HSA, or a different kind of HRA listed in the same IRS document.

This is not tax advice.