HSA Store® shares five facts about IRS announcement of 2026 HSA contribution limits to help consumers maximize savings and spending

Higher contribution limits for 2026 give individuals and families more opportunity to save money and pay for eligible healthcare products and services

DALLAS (May 5, 2025) – The popularity of health savings accounts (HSAs) continues to soar as individuals and families realize the financial potential of these tax-advantaged healthcare accounts. To help more than 35 million individuals and families increase their savings and put more of their pre-tax income to work protecting their health and wellbeing, HSA Store is sharing five little-known facts about HSA contribution limits.

According to the 2026 HSA contribution limits, which were announced by the Internal Revenue Service on May 1, individual HSA users will be able to contribute $4,400 to their 2026 HSA (up from $4,300 in 2025), while families can contribute $8,750 (up from $8,550). Minimum deductibles and out-of-pocket maximums for high-deductible health plans (HDHPs) will also increase in 2026. To open an HSA, an individual or family must be enrolled in a qualified HDHP. Account holders should check with their HR team or health plan to confirm their plan details and to change their HSA contribution amount.

“An HSA is a powerful financial tool for people of all ages and income levels, and understanding how these accounts work and how to maximize your contributions is essential to getting the most value from your healthcare and financial benefits,” said Itamar Romanini, vice president and general manager of HSA Store. “It’s our mission at HSA Store to simplify tax-free benefits and help consumers understand how to achieve the maximum value from these special accounts.”

Here are five little-known facts about HSA contributions to help individuals and families maximize their HSA and their health plan enrollment from HSA Store.

1. Anyone can make a contribution to an otherwise eligible HSA. In addition to the individual account holder, their employer or even a family member can contribute to the HSA – all of which can be deducted from taxable income for the account holder.

2. HSA contributions for eligible individuals can be made at any time during the year, even on tax filing day for that plan year. For example, 2025 HSA contributions can be made up until April 15, 2026, prior to taxes being filed. Check with your HSA administrator to ensure they can support this.

3. In addition to savings on state and federal taxes, pre-tax HSA contributions essentially receive an extra 7.65% “discount” because all taxes – including employment taxes – are deducted at the time of the contribution, further decreasing your taxable income.

4. Eligible contributions that are not made via pre-tax payroll contributions through an employer can be deducted from income when taxes are filed, regardless of who made those contributions.

   
   

5. Any account holder who is 55 years or older can contribute an extra $1,000 a year to their HSA. This is known as a catch-up contribution. This further decreases your taxable income.

In addition to these HSA contribution insights, consumers can get more from their healthcare dollars by spending HSA funds on everyday health needs. HSA eligibility has expanded to give consumers the power to use these funds to pay for everyday health, wellness, and prevention products. From allergy medications to over-the-counter pain and fever reducers to menstrual care products to bandaids, there are many ways to use tax-free healthcare funds to pay for frequently used products. The searchable, online eligibility list at HSA Store takes the guesswork out using HSA funds by allowing consumers to shop for specific products and brands, or by health need and lifestyle.

HSA Store, the leader in consumer education and account management tools, as well as the first and leading online retailer to sell only HSA-eligible products and telehealth services, offers a comprehensive, searchable HSA eligibility list; HSA Tax Savings Calculator; Projected Future Value Calculator; an HSA Expense Dashboard, and ExpenseTracker™ App to help HSA users of all ages plan for future expenses, project their long-term savings potential, and simplify tax filing.

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About Health-E Commerce®

Health-E Commerce is the parent brand to FSA Store and HSA Store, online stores that serve the 70+ million consumers enrolled in pre-tax healthcare accounts. The company also created Caring Mill®, a popular private-label line of health products through which a portion of every purchase is donated to the Children’s Health Fund. Since 2010, the Health-E Commerce brands have led the direct-to-consumer e-commerce market for exclusively pre-tax health and wellness benefits. Health-E Commerce plays an essential role in expanding eligibility for important new products and telehealth categories within the list of eligible medical expenses.