HSA Contribution Calculator 2026
Check if your plan qualifies as an HDHP, find your contribution limit, and see how much you can save in taxes.
2026 HSA & HDHP Quick Reference
- HSA limit: $4,300
- 55+ catch-up: +$1,000
- Min deductible: $1,650
- Max OOP: $8,300
- HSA limit: $8,550
- 55+ catch-up: +$1,000
- Min deductible: $3,300
- Max OOP: $16,600
Calculate Your HSA
HDHP minimum for self-only: $1,650
HDHP maximum for self-only: $8,300
Frequently Asked Questions
What are the 2026 HSA contribution limits?
For 2026, the IRS set the HSA contribution limit at $4,300 for self-only coverage and $8,550 for family coverage. If you are 55 or older, you can make an additional $1,000 catch-up contribution.
What makes a plan an HDHP?
A High-Deductible Health Plan must meet both criteria: (1) a minimum annual deductible of $1,650 (self) or $3,300 (family), and (2) an out-of-pocket maximum no higher than $8,300 (self) or $16,600 (family).
Can ACA Marketplace plans qualify as HDHPs?
Yes. Some ACA Bronze and Silver plans meet HDHP requirements. Check your plan's Summary of Benefits and Coverage (SBC) for the exact deductible and out-of-pocket maximum. If it qualifies, you can open and fund an HSA.
How does an HSA affect my ACA subsidy?
HSA contributions are an above-the-line deduction that reduces your MAGI. A lower MAGI can increase your Premium Tax Credit or help you avoid the subsidy cliff at 400% FPL (for those the ARP extension phase-out applies to).
Can I invest my HSA funds?
Yes. Once your HSA reaches a certain balance (typically $1,000–$2,000 depending on your custodian), you can invest the excess in mutual funds. Earnings grow tax-free, and qualified medical withdrawals are also tax-free — making the HSA the only triple-tax-advantaged account available.