Quick Answer: In 2026, you can contribute up to $4,400 (individual) or $8,750 (family) to an HSA, and up to $3,400 to a Health Care FSA. These limits are set by the IRS and adjust annually for inflation.
2026 HSA Contribution Limits
Coverage Type | 2026 Limit |
Individual (self-only) | $4,400 |
Family | $8,750 |
Catch-up contribution (age 55+) | Additional $1,000 |
HDHP Requirements for HSA Eligibility (2026)
Individual | Family | |
Minimum deductible | $1,700 | $3,400 |
Maximum out-of-pocket | $8,500 | $17,000 |
Contribution deadline: You can make 2026 HSA contributions until April 15, 2027 (the tax filing deadline).
2026 FSA Limits
FSA Type | 2026 Limit |
Health Care FSA | $3,400 (employee salary reduction) |
FSA Carryover maximum | $680 (if employer allows) |
Dependent Care FSA | $5,000 ($2,500 if married filing separately) |
Note: FSA contributions must be elected during open enrollment and cannot be changed mid-year (unless you have a qualifying life event like marriage, birth, or job change).
Recent History (For Reference)
Year | HSA (Individual) | HSA (Family) | Health FSA | FSA Carryover |
2024 | $4,150 | $8,300 | $3,200 | $640 |
2025 | $4,300 | $8,550 | $3,300 | $660 |
2026 | $4,400 | $8,750 | $3,400 | $680 |
Important Rules to Know
HSA Contributions
Both you and your employer can contribute, but the combined total can't exceed the annual limit
You can change your contribution amount at any time during the year
If you over-contribute, you must withdraw the excess before tax filing deadline or face a 6% excise tax on the overage
FSA Contributions
Contributions are set during open enrollment and deducted evenly from each paycheck
Your full annual amount is available on Day 1 of the plan year (even before you've paid it all in)
Your employer may also contribute to your FSA
Family HSA Note
If both spouses are HSA-eligible, the $8,750 family limit is shared between both accounts. You'll need to coordinate who contributes how much.
How Much Should I Contribute?
A few guidelines:
At minimum: Enough to cover your expected medical expenses for the year
For maximum tax benefit: Contribute as much as you can afford up to the limit
If you have an HSA: Consider maxing it out even if you don't plan to spend it all - HSA funds grow tax-free and make an excellent long-term investment
If you have an FSA: Be careful not to over-contribute, since unspent funds can be forfeited. Estimate your expected medical + wellness expenses for the year.
Crates tip: Factor your Crates-eligible wellness expenses into your FSA contribution calculation. If you spend $200/month on a gym membership, that's $2,400/year you could run through your FSA for significant tax savings.
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