The IRS recently announced the 2026 increased limits for high-deductible health plans (HDHPs) and health savings accounts (HSAs).
These updates, published annually by June 1, include changes to HSA contribution limits, HDHP minimum deductibles, and maximum out-of-pocket expenses. Here’s a breakdown of the key updates.
2026 HSA Contribution Limits
- Self-only HDHP coverage: Contribution limit rises to $4,400, up from $4,300 in 2025.
- Family HDHP coverage: Contribution limit increases to $8,750, up from $8,550 in 2025.
- Individuals aged 55 and older can still make a $1,000 catch-up contribution.
2026 HDHP Minimum Deductibles
- Self-only coverage: Minimum deductible will rise to $1,700, up from $1,650 in 2025.
- Family coverage: Minimum deductible will increase to $3,400, up from $3,300 in 2025.
2026 Maximum Out-of-Pocket Limits for HDHPs
- Self-only coverage: Limit will be $8,500, up from $8,300 in 2025.
- Family coverage: Limit will rise to $17,000, up from $16,600 in 2025.
What Employers Need to Know
Employers offering HDHPs should review their plans’ cost-sharing limits for the 2026 plan year to maintain compliance with the updated thresholds. Employers allowing employees to make pre-tax HSA contributions should also update their plan materials to reflect the new contribution limits.
These changes highlight the importance of staying current with IRS adjustments to ensure proper benefits administration and effective employee communication. Prepare now to take advantage of the new limits for 2026.
CBIZ can help streamline benefits administration, ensure compliance, and optimize your flexible benefits. Contact us to learn more.
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