Health Savings Account.
Save for healthcare expenses tax-free. An HSA lets you set aside money for medical expenses with triple tax advantages.
2026 Contribution Limits
These are the maximum amounts you can contribute to your HSA this year.
Individual
$4,150
annual contribution limit for self-only coverage.
Family
$8,300
annual contribution limit for family coverage.
Catch-Up (55+)
$1,000
additional catch-up contribution if you're 55 or older.
Triple Tax Advantage
HSAs offer unique tax benefits that no other account can match.
Tax-Free Contributions
Your contributions are made pre-tax, reducing your taxable income.
Tax-Free Growth
Any interest or investment earnings grow tax-free.
Tax-Free Withdrawals
Withdrawals for qualified medical expenses are never taxed.
Frequently Asked Questions
You must be enrolled in a High Deductible Health Plan (HDHP), not be covered by other non-HDHP health insurance, not be enrolled in Medicare, and not be claimed as a dependent on someone else's tax return.
HSA funds can be used for qualified medical expenses including doctor visits, prescriptions, dental care, vision care, and many over-the-counter items.
Yes! Unlike FSAs, HSA funds roll over year after year and never expire. The account is yours to keep even if you change jobs or retire.