For more on the accounts, see HSA vs FSA and using your HSA in retirement. HSA contribution limits 2026 come down to $4,400 for self-only coverage and $8,750 for family coverage, plus a $1,000 catch-up if you’re 55 or older. A spouse who’s also 55 or older needs a separate account to make their own catch-up contribution. Once you turn 55, you’re allowed to add an extra $1,000 a year to your HSA on top of the regular limit, and you can keep making it every year after, there’s no upper age cutoff. If both spouses are 55 or older, each can add a separate $1,000 catch-up contribution, but only in their own HSA account, for a household total of $10,750.
If you and your spouse are both age 55 or over, not enrolled in Medicare, and otherwise eligible, you each can make $1,000 HSA catch-up contributions, but you must do so in separate HSAs. HSA contribution limits and eligibility rules for 2026 and 2027 Our team executes this strategy by prioritizing safety, technological innovation, and stewardship of natural resources, all of which are integral to our corporate culture. To make people’s lives better by responsibly producing energy supplies, contributing to domestic energy security and prosperity, and having a positive impact in the communities where we live and work. Additionally, dozens of microcaps from the prior list were merged, restructured, privatized, or delisted during the last cycle.
Two eligible spouses can add $1,000 each, for $2,000 in combined catch-up contributions. The catch-up must be deposited into the account of the person who qualifies for it — it cannot be added to a spouse's account. Exceeding the combined limit triggers a 6% excise tax on the excess. It brings the effective maximum to $5,400 (self-only) or $9,750 (family, one spouse 55+). The limits include all contributions combined — yours, your employer's, and anyone else's — from every source during the calendar year.
The HSA contribution limits for 2027 are $4,500 for self-only coverage and $9,000 for family coverage. The HSA contribution limits for 2026 are $4,400 for self-only coverage and $8,750 for family coverage. The amount you can contribute to an HSA each year is determined by whether you are enrolled in self-only or family coverage and if you are age 55 or older. Unli Casino Keep these rules for HSA contributions in mind.