How much can you contribute to an HSA if you are over 55?

This depends on the year you're referring to and whether you have an individual health insurance plan or a family plan. Those with qualifying individual plans may contribute up to $5,300 in 2025 or $5,400 in 2026 if they're 55 or older. Those with qualifying family plans can contribute up to $9,550 in 2025 and $9,750 in 2026.

What is the maximum you can put in your HSA?

This depends on your age, what type of insurance plan you have, and the year. In 2025, those with qualifying individual health insurance plans can save up to $5,300 while those with qualifying families can save up to $8,550. These limits will increase to $5,400 and $8,750, respectively, in 2026. Adults 55 and older can contribute an extra $1,000 in both years.

How much can an employee contribute to an HSA?

Employees can contribute up to the annual contribution limit unless their employer contributes money to their HSA. In that case, the employee's maximum would be the annual contribution limit minus their employer's contributions.

At what age are you no longer eligible for an HSA?

Most people lose eligibility to contribute to an HSA when they turn 65 and start Medicare. However, you can continue to spend the HSA funds you've accumulated even once you're ineligible to contribute more money to the account.

HSA Contribution Limits 2025 and 2026: Rules and Maximums

This is the maximum you can contribute to your HSA in 2025 and 2026.

By Kailey Hagen – Updated Feb 19, 2026 at 2:38 PM EST | Fact-checked by Parker Hicks

Key Points

HSA offers tax deductions on contributions and tax-free withdrawals for eligible expenses.
2025/2026 HSA contribution limits are $4,300/$4,400 for individuals and $8,550/$8,750 for families.
Individuals 55+ can make an extra $1,000 catch-up contribution annually.

Health savings accounts (HSAs) are tax-advantaged investment accounts for individuals with qualifying high-deductible health plans (HDHPs). If your health insurance plan meets the requirements to be considered an HDHP, you can make tax-deductible contributions to an HSA, allow your money to grow, and take tax-free withdrawals to cover HSA-eligible expenses.

Loading paragraph...

Smiling older couple sitting on a bench. — Image source: Getty Images.

Loading image...

Because an HSA offers tax savings both when making contributions and when making withdrawals, it is a valuable account for saving for medical care or retirement. However, there are rules governing the amount you can save in your HSA each year.

Maximum HSA contribution limit in 2025 and 2026

The maximum HSA contribution limit can change from year to year and varies depending on whether you have self-only (individual) coverage or a family insurance plan. The table below shows contribution limits for both 2025 and 2026.

Loading paragraph...

Source: IRS.
Type of Coverage	2025 Contribution Limit	2026 Contribution Limit
Self-only coverage	$4,300	$4,400
Family coverage	$8,550	$8,750

Loading table...

The IRS updates the HSA contribution limit annually. You can review IRS Publication 969 each year to determine the current limit.

It's also important to note that this is an aggregate limit that applies to your own contributions and any money your employer puts into your account. This is different from 401(k) rules, where employer matching funds do not affect your ability to contribute to your account. If your employer puts $2,000 into your HSA and you have self-only coverage, you would be allowed to contribute only $2,400 before hitting the 2026 contribution limit.

Loading paragraph...

HSA catch-up contributions

HSA account holders who are 55 and older are entitled to make an additional catch-up contribution valued at $1,000 on top of the above contribution caps. Because of the HSA catch-up contribution rules, the table below shows the maximum contributions that you can make if you're 55 or older:

Loading paragraph...

Source: IRS.
Type of Coverage	2025 Contribution Limit	2026 Contribution Limit
Self-only coverage	$5,300	$5,400
Family coverage	$9,550	$9,750

Loading table...

Catch-up contributions are intended to help older Americans who may incur large medical expenses, or who may not have saved enough for a secure retirement and want to boost their contributions to tax-advantaged accounts as they near the end of their careers. Older Americans may want to make catch-up contributions because healthcare costs tend to increase with age, and an HSA can be a valuable type of retirement savings account.

HSAs work as a retirement savings plan because you can withdraw money penalty-free for any purpose, not just medical expenses, after age 65. Once you turn 65, you'll owe ordinary income taxes on non-medical withdrawals, the same as distributions from a 401(k) or traditional IRA.

How does an HSA affect taxes when I contribute?

Because you can make HSA contributions with pretax funds, you can deduct the amount you've contributed from your taxable income in the year you contribute. This means that any money you contribute reduces your taxable income, which in turn saves you money on your IRS bill. It also means your take-home pay declines by a smaller amount than what you actually contributed.

For example, if you have $50,000 in taxable income and make a $3,600 deductible contribution to an HSA, you will be taxed on only $46,400 in income due to your contribution.

The specific amount you save due to your HSA contribution will depend on the size of your contribution and your tax rate. Those who are taxed at a higher rate and those who make larger contributions will realize more savings.

Loading paragraph...

HSA contribution limits frequently asked questions (FAQs)

Loading faq...

About the Author

Kailey Hagen, CFP®, is a contributing Motley Fool retirement analyst covering Social Security, Medicare, and retirement planning. Before The Motley Fool, Kailey was a research analyst for Reviews.com focusing on credit and banking products. She is a Certified Financial Planner® and holds a bachelor’s degree in English from the University of Wisconsin-Madison.

TMFKailey

The Motley Fool has a disclosure policy.

HSA Contribution Limits in 2025 and 2026

This is the maximum you can contribute to your HSA in 2025 and 2026.

Key Points

Maximum HSA contribution limit in 2025 and 2026

HSA catch-up contributions

Related Investing Topics

HDHP vs. PPO: Which Is the Right Choice for You?

What Is An HSA and How Does It Work?

2025 and 2026 Rules for Health Savings Accounts (HSAs)

HSA-Eligible Expenses in 2025 and 2026

How does an HSA affect taxes when I contribute?

HSA contribution limits frequently asked questions (FAQs)

How much can you contribute to an HSA if you are over 55?

What is the maximum you can put in your HSA?

How much can an employee contribute to an HSA?

At what age are you no longer eligible for an HSA?

About the Author

Read Next

Premium Investing Services

Maximum HSA contribution limit in 2025 and 2026

HSA catch-up contributions

Related Investing Topics

HDHP vs. PPO: Which Is the Right Choice for You?

What Is An HSA and How Does It Work?

2025 and 2026 Rules for Health Savings Accounts (HSAs)

HSA-Eligible Expenses in 2025 and 2026

How does an HSA affect taxes when I contribute?

HSA contribution limits frequently asked questions (FAQs)

How much can you contribute to an HSA if you are over 55?

What is the maximum you can put in your HSA?

How much can an employee contribute to an HSA?

At what age are you no longer eligible for an HSA?