2026 rules
- Limits: $4,400 self-only, $8,750 family; +$1,000 catch-up at 55+.
- 2026 HDHP minimum deductible: $1,700 self / $3,400 family.
- Contributions through payroll avoid income tax and FICA; withdrawals for qualified medical costs are tax-free.
FAQ
Can I use an HSA for anything after 65?
Yes; non-medical withdrawals after 65 are taxed like a traditional IRA but have no penalty.
Sources (checked Nov 6, 2026): IRS Rev. Proc. 2025-19 (2026 HSA limits).