HSA Contribution Calculator (2026)
For 2026 you can put up to $4,400 in a Health Savings Account for self-only coverage or $8,750 for family coverage, plus $1,000 more at 55 or older. New this year: Bronze and Catastrophic plans now count as HSA-compatible, so millions of Marketplace shoppers can open an HSA for the first time. See how much you can add and how much tax it saves.
2026 HSA limits
Examples
| Situation | Put in | Tax saved | Real cost |
|---|---|---|---|
| Single, Texas, $60,000, employer HDHP, payroll | $3,900 | $766 | $3,134 |
| Single, Florida, $45,000, Bronze plan (new in 2026) | $4,400 | $528 | $3,872 |
| Family, Illinois, $110,000, payroll | $7,750 | $1,906 | $5,844 |
| Family, California, $150,000, age 55+ | $8,750 | $2,594 | $6,156 |
What is new for HSAs in 2026
- Bronze and Catastrophic plans qualify. From January 1, 2026 these plans count as HSA-compatible even if they do not meet the usual HDHP rules, and IRS Notice 2026-05 says they do not have to be bought on the Marketplace.
- Direct primary care works with an HSA. You can be in certain direct primary care arrangements and still contribute, and you can pay the periodic fees from your HSA tax-free.
- Telehealth before the deductible is permanent. Free or low-cost virtual visits no longer cost you HSA eligibility.
Why payroll is better
Money you put in through a cafeteria plan at work skips federal income tax, state income tax in most states and the 7.65% Social Security and Medicare tax. If you contribute on your own and deduct it on your return, you still save income tax, but not the 7.65%.
How this calculator works
Your limit is the 2026 amount for your coverage, plus $1,000 if 55+, prorated by the months you were covered (the last-month rule can allow the full amount in some cases). Employer money counts toward the limit. Tax savings compare 2026 federal and state income tax with and without your contribution, using the standard deduction. California and New Jersey do not allow the HSA deduction. The projection adds the same contribution every year until 65.
FAQ
What is the HSA limit for 2026?
$4,400 for self-only coverage and $8,750 for family coverage. People 55 or older can add $1,000. Employer contributions count toward the limit.
Can I have an HSA with a Bronze plan?
Yes, starting in 2026. Bronze and Catastrophic plans are treated as HSA-compatible, even if they do not meet the normal high-deductible plan rules.
How much tax does an HSA save?
Your federal tax rate plus your state rate, plus 7.65% if you contribute through payroll. For many people that is 25% to 35% of what they put in.
Do California and New Jersey tax HSAs?
Yes. Both states tax HSA contributions and earnings, so you only get the federal (and FICA) savings there.
What happens to my HSA after 65?
You can take money out for any reason without penalty. It is taxed like a traditional IRA if not used for medical costs, and stays tax-free for medical costs.
Rules and rates last checked: October 2026. This is an estimate for general information only, not financial, tax or legal advice. Check IRS.gov or a tax professional before you file.