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2025 and 2026 Rules for Health Savings Accounts (HSAs)

Do you know the rules for contributing to an HSA?

By Kailey HagenUpdated Feb 19, 2026 at 2:11 PM EST | Fact-checked by Parker Hicks

Key Points

  • HSAs are savings accounts with tax benefits, used primarily for medical expenses.
  • You must have a high-deductible health plan to contribute to an HSA.
  • Post-65, you can withdraw HSA funds for any use, but non-medical withdrawals are taxed.

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