For 2026, the IRS HSA contribution limits are $4,300 for self-only HDHP coverage and $8,550 for family HDHP coverage. Individuals age 55 and older can contribute an additional $1,000 catch-up. These limits apply to combined employee and employer contributions. Employees must be covered by a qualified high-deductible health plan, not enrolled in Medicare, and not claimed as a dependent. Exceeding the limit triggers a 6% excise tax unless withdrawn before the tax filing deadline.
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