Increased contribution caps open the door for Americans to grow more tax-free savings for healthcare costs. HSA for America outlines how to take full advantage of the change.
FORT COLLINS, CO – June 17, 2025– Millions of Americans can now save more for medical expenses—tax-free. The IRS has announced higher Health Savings Account (HSA) contribution limits for 2026, giving individuals and families new opportunities to reduce their tax burden and prepare for rising healthcare costs.
In 2026, individuals with self-only high-deductible health plans (HDHPs) can contribute up to $4,400, up from $4,300 in 2025. Those with family HDHP coverage can contribute up to $8,750, an increase from the previous year’s $8,550 limit. The additional $1,000 catch-up contribution for people age 55 or older remains unchanged.
These increases reflect the rising cost of medical care and offer greater tax-saving opportunities to Americans enrolled in high-deductible health plans (HDHPs).
“This is a huge opportunity,” said Wiley Long, Founder and President of HSA for America. “With higher limits and the power of compounding, even small contributions today can mean big savings down the road—without paying a dime in taxes.”
Why It Matters
Health Savings Accounts are known for their triple tax advantage. Contributions are either tax-deductible or made pre-tax through payroll deductions.
Funds in the account grow tax-free when invested, and withdrawals for qualified medical expenses are also tax-free. Unlike Flexible Spending Accounts (FSAs), HSA funds roll over year after year, and the account stays with the owner even if they change jobs or retire.
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Who’s Eligible to Contribute?
To be eligible to contribute to an HSA, an individual must be enrolled in a qualified high-deductible health plan, not be enrolled in Medicare, and not be claimed as a dependent on another person’s tax return.
For those under family coverage, the $8,750 contribution limit is shared between both spouses. However, if both spouses are age 55 or older, each can make a separate $1,000 catch-up contribution—but those must be deposited into individual HSA accounts.
“Too many people underestimate what a few hundred dollars in increased contributions can do over time,” Long added. “By taking advantage of these new limits, individuals can grow their healthcare savings faster, without paying a dime in taxes.”
Helping You Maximize Your HSA
HSA for America provides expert, one-on-one support to help individuals choose HSA-qualified health plans and find savings strategies tailored to their needs.
In addition to traditional insurance, HSA for America also offers healthshare plans—including cost-sharing alternatives that pair well with HSAs and often provide up to 50% in monthly premium savings.
These non-insurance solutions appeal to families, freelancers, and small business owners who want more flexibility and lower costs than traditional coverage options.
“Our clients are often surprised how fast their HSA balances can grow,” Long added. “Even modest monthly contributions can build up over time, especially when invested. That’s real money people can use for healthcare now or in retirement.”
Next Steps
Although the new contribution limits apply to the 2026 tax year, now is the time to plan ahead.
HSA for America recommends that individuals review their current health plan before the upcoming Open Enrollment period. Switching to an HSA-compatible plan now allows individuals to take full advantage of the increased limits when the new year begins.
Schedule a free consultation to see how much you could save with a tax-optimized HSA strategy.
About HSA for America
HSA for America is a trusted independent advisor specializing in health savings accounts, affordable health insurance alternatives, and healthshare plans. By offering personalized service and expert guidance, HSA for America helps individuals, families, and small businesses take control of their healthcare and reduce costs with smarter strategies.
Wiley is President of HSA for America. He believes that consumers should have choice and price transparency, so they can make the best healthcare decisions for their needs. Read more about Wiley on his Bio page.
