How Much Can You Put Into an HSA?
A Health Savings Account, or HSA, can help reduce taxable income when you are eligible to contribute. But the amount you can put into an HSA is limited each year, and the limit depends on your coverage, age, and how long you were eligible.
For 2026, the HSA contribution limit is $4,400 for self-only HSA-eligible high-deductible health plan coverage and $8,750 for family HSA-eligible high-deductible health plan coverage.
If you are age 55 or older by the end of the year, you may also be able to make an additional $1,000 catch-up contribution.
There is one detail married couples should watch closely. If both spouses are age 55 or older and both are eligible for catch-up contributions, each spouse’s catch-up contribution must go into that spouse’s own HSA. One spouse cannot put both catch-up contributions into a single HSA.
Your limit may also be affected if you were not eligible for the entire year. For example, if your health coverage changed during the year, your HSA contribution limit may need to be prorated based on the months you were eligible.
This matters because contributing too much can create an excess contribution, which may lead to an additional tax if it is not corrected.
If you changed health plans, turned 55, got married, enrolled in Medicare, or had a change in family coverage during the year, it is a good idea to review your HSA contribution limit before making or finalizing contributions.
Each month, I share a clear, bite-sized tax insight straight from my continuing education so you can stay informed without sifting through tax changes.
Next month, we discuss the HSA contribution mistake that can follow you.
Thanks for reading,
Brandy Sparkman, EA
I’ll keep learning so you can stay focused on what you do best.
See you next month for another Tax Minute.
