Health Savings Account limits went up again for 2026, but only if you're enrolled in a qualifying high-deductible health plan (HDHP) — HSAs aren't available to everyone, only to people whose insurance meets specific IRS deductible thresholds. * For 2026, the maximum you can contribute to an HSA is $4,400 if you have self-only coverage, or $8,750 if you have family coverage. If you're 55 or older, you can add a catch-up contribution of $1,000 on top of either limit — and unlike some retirement catch-ups, this one isn't split by income level. * To even qualify for an HSA, your health plan has to meet the IRS's definition of a high-deductible plan for 2026: an annual deductible of at least $1,700 for self-only coverage or $3,400 for family coverage, with total annual out-of-pocket costs capped at $8,500 for self-only or $17,000 for family coverage. * HSAs remain one of the few accounts with triple tax benefits: contributions reduce your taxable income going in, the account grows tax-free, and withdrawals for qualified medical expenses are never taxed — a combination no 401(k) or IRA offers. Unlike an FSA, unused HSA funds roll over automatically every year and stay with you even if you change jobs or health plans.