2026 HSA Contribution Deadlines and Limits: What You Need to Know

If you're looking to optimize your health and financial wellness in 2026, your Health Savings Account (HSA) is one of the most powerful tools at your disposal. But to take full advantage of it, you need to stay informed on annual contribution limits and deadlines.

An HSA is a tax-advantaged savings account that lets you set aside pretax funds for qualified medical expenses. One of the most important things to understand about HSAs is what’s called their 'triple tax advantage.'

• Tax benefit number one: HSAs can be funded with pretax funds, meaning you can deposit money you've earned but not paid taxes on yet.
• Tax benefit number two: The money you put into your HSA savings is allowed to grow and accumulate interest tax-free.
• Tax benefit number three: You can withdraw money from your HSA tax-free, so long as it is used to pay for qualified medical expenses.

If you’re enrolled in a high-deductible health plan (HDHP) for 2026, you may qualify to open and contribute to an HSA. Check with your healthcare provider for more details.

For the 2026 tax year, the IRS has increased the annual contribution limits:

• Self-only coverage: $4,400
• Family coverage: $8,750
• Catch-up contribution (age 55+): Additional $1,000

• Last day to contribute for 2025 tax year: April 15, 2026
• Last day to contribute for 2026 tax year: April 15, 2027

Yes, you can keep contributing to your HSA for the previous year all the way through Tax Day of the following year. That means you can still make 2025 contributions in early 2026 if you haven’t hit the limit yet.

Contributing the full amount to your HSA every year isn’t just about covering medical expenses, it’s also a smart long-term financial move. HSAs can double as an investment account, with unused funds rolling over each year and growing tax-free. Plus, after age 65, you can use HSA funds for non-medical expenses without a penalty (you’ll just pay regular income tax).

Thousands of health-related products and services may be HSA-eligible when used to treat specific health conditions, including many options you won’t find at your local pharmacy.

On Truemed, qualified customers can use HSA/FSA funds at checkout to shop for potentially eligible medical interventions like fitness programs, supplements, and health tech when used to address a specific health condition.*

Ready to Use Your HSA Dollars the Smart Way? Explore potentially HSA-eligible brands and products designed to support your long-term health.

Start shopping on Truemed.