The Internal Revenue Service (IRS) has announced the inflation-adjusted limits for high deductible health plans (HDHPs), Health Savings Accounts (HSAs), and Health Reimbursement Arrangements (HRAs) for 2026. Also announced were 2026 limits for excepted benefits HSAs.

The 2026 limits are:

• HDHPs/OOP Limit: For self-only coverage the HDHP maximum annual out-of-pocket (OOP) limit, excluding premiums will go from $8,300 in 2025 to $8,500 in 2026. The family coverage OOP limit goes from $16,000 to $17,000.
• HDHP/Minimum Annual Deductible: The HDHP minimum annual deductible for self-only coverage goes from $1,650 to $1,700. The family coverage minimum annual deductible goes from $3,300 to $3,400.
• HSA Contribution Limit: The HSA contribution for self-only coverage goes from $4,300 to $4,400, and for family coverage from $8,550 to $8,750. The catch-up contribution limit remains the same, at $1,000.
• Excepted Benefits HSA: The annual contribution limit for an excepted benefits HSA goes from $2,150 to $2,200.

 NAIFA Staff Contact: Jayne Fitzgerald – Director – Government Relations, at jfitzgerald@naifa.org.