The IRS has released its 2026 inflation-adjusted amounts for health savings accounts (HSAs), and industry experts have projected the limits for 2026 flexible spending accounts (FSAs).
Health savings accounts
The Internal Revenue Code (IRC) allows employers, employees, or both to contribute pretax dollars to HSAs that are paired with qualified high-deductible health plans (HDHPs). HDHPs must follow legally required limits for minimum deductible amounts and maximum out-of-pocket costs.
The maximum contribution level for HSAs for individuals and families increases again for 2026. The additional catch-up contribution level for individuals age 55 and older remains the same.
For 2026, the minimum deductible amount for individuals and families in qualifying HDHPs will rise from 2025 levels. The amounts jump by $50 for individuals and $100 for families.
- Individual coverage: $1,700
- Family coverage: $3,400
For 2026, the maximum out-of-pocket cost increases by $200 for individuals and $400 for families.
- Individual coverage: $8,500
- Family coverage: $17,000
Flexible spending accounts
The IRC allows employers, employees, or both to contribute pretax dollars to health care FSAs. The maximum salary reduction contribution is projected to rise again for 2026, as is the maximum carryover amount.
If you would like to learn more, reach out to your Bender Insurance Solutions partner.
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