--- title: 2026 Limits Announced for HSAs, HDHPs, and Excepted Benefit HRAs  description: 2026 HSA and HDHP limits were revealed by the IRS, with slight increases in 2025. Learn about updated contribution, deductible, and out-of-pocket expense limits. image: https://1652561.fs1.hubspotusercontent-na1.net/hubfs/1652561/2026%20Limits%20Announced%20Adobe%20Stock.jpeg --- [Skip to content](https://www.columbiabenefitsolutions.com/blog/2026-limits-announced-for-hsas-hdhps-and-excepted-benefit-hras#main-content) [![Columbia Benefit Solutions](https://www.columbiabenefitsolutions.com/hubfs/ColumbiaBenefit%20Logo_final_lg-1.png)](https://www.columbiabenefitsolutions.com/0) - [Home](https://www.columbiabenefitsolutions.com) - [Services](https://www.columbiabenefitsolutions.com/services) - [GA](https://www.columbiabenefitsolutions.com/general-agency-services) - [About](https://www.columbiabenefitsolutions.com/about) - [Blog](https://www.columbiabenefitsolutions.com/blog) - [Contact](https://www.columbiabenefitsolutions.com/contact) # 2026 Limits Announced for HSAs, HDHPs, and Excepted Benefit HRAs  *[![MZQ Logo](https://1652561.fs1.hubspotusercontent-na1.net/hub/1652561/hubfs/MZQ_logo_2019_FINAL-01%20copy%202.jpg?width=254&height=130&name=MZQ_logo_2019_FINAL-01%20copy%202.jpg)](https://www.mzqconsulting.com/)*   ---   The Internal Revenue Service has released the maximum annual [2026 contribution limits](https://www.irs.gov/pub/irs-drop/rp-25-19.pdf) for health savings accounts (HSAs) under high-deductible health plans (HDHPs). These inflation-adjusted limits, which have increased slightly since 2025, apply to both individual and family coverage. Of note, the annual limit for the additional catch-up HSA contribution eligible individuals aged 55 and over are permitted to make remains unchanged.   The updates also include deductible minimums and out-of-pocket (OOP) expense limits for HDHPs and an increase to the maximum amount that may be made newly available for excepted benefit health reimbursement arrangements (EBHRAs). The HSA, HDHP, and out-of-pocket thresholds apply for the 2026 calendar year, while the EBHRA maximum applies to the 2026 plan year.  The 2026 limits are summarized below in comparison to the 2025 limits:    | **Annual HSA Contribution Limits**  | | | | --- | --- | --- | |   | ***2026***  | ***2025***  | | *Self-only coverage*  | $4,400  | $4,300  | | *Family coverage*  | $8,750  | $8,550  | | *Additional catch-up contribution for eligible individuals*  | $1,000  | $1,000  | | **Annual Minimum Deductibles for HDHPs**  | | | |   | ***2026***  | ***2025***  | | *Self-only coverage*  | $1,700  | $1,650  | | *Family coverage*  | $3,400  | $3,300  | | **Annual Maximum Out-of-Pocket Expense Limits for HDHPs**  | | | |   | ***2026***  | ***2025***  | | *Self-only coverage OOP expenses may not exceed*  | $8,500  | $8,300  | | *Family coverage OOP expenses may not exceed *  | $17,000  | $16,600  | | **Plan Year Excepted Benefit HRA Maximum**  | | | |   | ***2026***  | ***2025***  | | *Maximum amount for a plan year may not exceed*  | $2,200  | $2,150  |     *© 2025 MZQ Consulting, LLC. All rights reserved.* *Content provided to [Q4intelligence](https://www.q4intel.com) members by MZQ Consulting, LLC* Photo by [Pamela Au](https://stock.adobe.com/contributor/203150215/pamela-au?load_type=author&prev_url=detail)   [Next post](https://www.columbiabenefitsolutions.com/blog/return-to-office-or-stay-flexible-the-workweek-tug-of-war) [All posts](https://www.columbiabenefitsolutions.com/blog) [Previous post](https://www.columbiabenefitsolutions.com/blog/compliance-corner-session-fiduciary-duty-and-erisa-plan-documents) ## View Related Posts #### [2027 HDHP/HSA & Excepted Benefit HRA Thresholds](https://www.columbiabenefitsolutions.com/blog/employers/2027-hdhp/hsa-excepted-benefit-hra-thresholds) #### [2025 Health FSA Inflation Adjustments](https://www.columbiabenefitsolutions.com/blog/2025-health-fsa-inflation-adjustments) #### [2024 Limits Announced for HSAs, High Deductible Health Plans, and Excepted Benefit HRAs](https://www.columbiabenefitsolutions.com/blog/2024-limits-announced-for-hsas-high-deductible-health-plans-and-excepted-benefit-hras) ![Columbia Benefit Solutions Logo](https://www.columbiabenefitsolutions.com/hubfs/ColumbiaBenefit%20Logo_final_lg-1.png) CBS guides employers and individuals in choosing the right benefit designs and insurance plans. To do this, we strive to empower and educate others to feel confident in the decisions they make.   --- Columbia Benefit Solutions is not connected with or endorsed by the U.S. Government or with the federal Medicare program. Required Federal Disclosure:  We do not offer every plan available in your area. Currently, we represent 15 organizations in 8 states which offer 340 plans (plan availability depends on the zip code in which you reside).  Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options. - Resources - [Services](https://www.columbiabenefitsolutions.com/services-archived) - [GA](https://www.columbiabenefitsolutions.com/general-agency-services-archived) - [About us](https://www.columbiabenefitsolutions.com/about-archived) - [Contact us](https://www.columbiabenefitsolutions.com/contact-archived) © 2022 All rights reserved. | [Privacy Policy](https://7961842.hs-sites.com/privacy-policy) | Powered by [Q4intelligence](https://q4intel.com) Developed by [GiantFocal](https://www.giantfocal.com) ```json { "@context" : "https://schema.org", "@id" : "https://www.columbiabenefitsolutions.com/blog/2026-limits-announced-for-hsas-hdhps-and-excepted-benefit-hras/#article", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Columbia Benefits Solutions" }, "dateModified" : "2025-09-05T16:44:58Z", "datePublished" : "2025-05-15T10:53:23Z", "description" : "2026 HSA and HDHP limits were revealed by the IRS, with slight increases in 2025. 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