IRS Publication 969 (2026) will detail 2026 Health Savings Account (HSA) rules, including new eligibility for certain plans (Bronze, Catastrophic) and Direct Primary Care (DPC) use, plus limits: $4,400 self-only / $8,750 family contributions, $1,700/$3,400 HDHP deductibles, and $8,500/$17,000 out-of-pocket maxes, plus the $1,000 catch-up for age 55+. This guidance comes from IRS Notices like Notice 2026-05, which updates the rules.
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Here's a summary of the key 2026 HSA figures and changes:
2026 Contribution Limits
- Self-Only Coverage: $4,400 (+$100 from 2025)
- Family Coverage: $8,750 (+$200 from 2025)
- Catch-Up Contribution (Age 55+): $1,000 (No Change)
2026 High-Deductible Health Plan (HDHP) Requirements
- Minimum Deductible: $1,700 (Self-Only) / $3,400 (Family)
- Maximum Out-of-Pocket: $8,500 (Self-Only) / $17,000 (Family)
Key 2026 Rule Changes
- Expanded Eligibility: Bronze and catastrophic plans on the Exchange (and off-Exchange, per Notice 2026-05) are now HSA-compatible.
- Telehealth: Expanded coverage for telehealth/remote care before meeting the deductible remains in effect.
- Direct Primary Care (DPC): You can now use HSA funds for DPC monthly fees, and certain DPC enrollees can contribute to an HSA.
Where to Find the Full Publication
- While the final, combined Publication 969 for 2026 might not be released yet (as of early 2026), the essential limits and changes are clarified in IRS notices like Notice 2026-05, which are the primary sources for these figures. You can find updates on the IRS.gov Forms & Pubs page for Pub 969.
