The formulas
- Limit = $4,400 self-only or $8,750 family + $1,000 at 55 or older
- Room = limit - contributions so far
How it works
Tax year: 2026.
For 2026 the HSA contribution limit is $4,400 for self-only high-deductible coverage and $8,750 for family coverage. Account holders age 55 or older add $1,000. A high-deductible health plan has a minimum annual deductible of $1,700 self-only and $3,400 family, and an annual deductible and out-of-pocket maximum of at most $8,500 self-only and $17,000 family.
The tool subtracts contributions already made, including employer contributions, to show the room left. Month-by-month eligibility and the last-month rule are not modeled.
Illustrative figures only. Check the result against your firm's methodology before relying on it.
Common questions
What are the 2026 HSA limits?
$4,400 self-only and $8,750 family, plus $1,000 at age 55.
What is the minimum HDHP deductible?
$1,700 self-only and $3,400 family for 2026.
Do employer contributions count?
Yes. They count toward the annual limit.
Sources
Runs in your browser. The figures you type are not sent to CORAA or stored. Check the result against your firm's methodology before relying on it.