Stay compliant with the latest IRS limits for health plans. This guide covers 2025 and 2026 limits for Health FSAs, HSAs, and High-Deductible Health Plans (HDHPs), including contribution caps and out-of-pocket maximums.
Health Flexible Spending Accounts (FSAs)
| 2026 | 2025 | |
|---|---|---|
| Annual Contribution Limit | $3,400 | $3,300 |
Health Savings Accounts (HSAs)
| 2026 | 2025 | |
|---|---|---|
| Employee + Employer Contribution Limit, Self | $4,400 | $4,300 |
| Employee + Employer Contribution Limit, Family | $8,750 | $8,550 |
| Catch-Up Contribution Limit (Age 55+) | $1,000 | $1,000 |
High-Deductible Health Plans (HDHPs)
| 2026 | 2025 | |
|---|---|---|
| Minimum Annual Deductible, Self | $1,700 | $1,650 |
| Minimum Annual Deductible, Family | $3,400 | $3,300 |
| Maximum Out-of-Pocket, Self | $8,500 | $8,300 |
| Maximum Out-of-Pocket, Family | $17,000 | $16,600 |