The IRS has released the updated 2026 limits for Health Savings Accounts (HSAs), High Deductible Health Plans (HDHPs), and Excepted Benefit Health Reimbursement Arrangements (EBHRAs) under Revenue Procedure 2025-19. These annual cost-of-living adjustments affect contribution caps, minimum deductibles, and maximum out-of-pocket costs, and this year, we’re seeing increases across the board.

Check out the shift from 2025 to what’s changing for 2026:

	2026	2025
HSA Contribution Limits	$4,400 Individual $8,750 Family $1,000 Catch-up (55+)	$4,300 Individual $8,550 Family $1,000 Catch-up (55+)
HDHP Max Out-of-Pocket Limits	$8,500 Individual $17,000 Family	$8,300 Individual $16,600 Family
HDHP Minimum Deductible Limits	$1,700 Individual $3,400 Family	$1,650 Individual $3,300 Family
Excepted Benefit HRA Contribution Limits	$2,200	$2,150

 

These updated limits offer valuable planning opportunities for you and your clients. As contribution and coverage thresholds rise, so does the potential for tax savings, employee engagement, and benefit optimization. Now is the time to start conversations with clients about updating plan designs, maximizing HSA contributions, and ensuring compliance for the year ahead.

Need help navigating these updates? Visit our Solutions page or email us at sales@medcombenefits.com.

Already working with Medcom? Contact our CDHP customer service team!