Calculator
2026 HSA Contribution Calculator
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If you're not covered all year, your limit is pro-rated (or use the last-month rule).
HSA contributions through payroll also save 7.65% FICA. Tax-free withdrawals add another implicit benefit.
Limits sourced from IRS.gov. Tax savings are estimates and do not constitute financial advice.
Enter your details to see your HSA contribution potential.
Reference
2026 HSA Limits & HDHP Requirements
| Provision | Self-only | Family |
|---|---|---|
| HSA contribution limit | $4,400 | $8,750 |
| Age 55+ catch-up | +$1,000 | +$1,000 |
| HDHP minimum deductible | $1,700 | $3,400 |
| HDHP max out-of-pocket | $8,500 | $17,000 |
You must be enrolled in a qualified HDHP to contribute. Enrollment in Medicare disqualifies you. Married couples with family HDHP can split the family limit, but each spouse must have their own HSA to make the $1,000 catch-up.
Why HSAs are special
The Triple Tax Advantage
Pre-tax in
Contributions reduce your taxable income. Through payroll, you also avoid 7.65% FICA — a benefit no other retirement account offers.
Tax-free growth
Interest, dividends, and capital gains grow tax-free. Most HSAs allow investing in mutual funds once balances exceed a threshold.
Tax-free out
Withdrawals for qualified medical expenses are 100% tax-free — at any age. After 65, non-medical withdrawals are taxed like a Traditional IRA (no penalty).
FAQ
Common Questions
Can I have an HSA if I'm on Medicare?
No. Once you enroll in any part of Medicare (including Part A), you can no longer contribute to an HSA. However, you can still use existing HSA funds tax-free for qualified medical expenses. If you delay Medicare to keep contributing, be aware that Part A may apply retroactively up to 6 months when you eventually enroll.
What happens if I'm only covered part of the year?
Generally, your annual limit is pro-rated by the number of months you were HSA-eligible (covered by an HDHP on the first day of each month). However, the "last-month rule" lets you contribute the full annual amount if you're eligible on December 1 — but you must remain eligible for the entire following year, or face taxes and penalties on the excess.
Can I use HSA funds for non-medical expenses?
Before age 65, non-medical withdrawals are taxed as ordinary income AND subject to a 20% penalty. After 65, the 20% penalty disappears — you just pay ordinary income tax (like a Traditional IRA). This makes HSAs an excellent supplemental retirement account, especially for healthcare expenses in retirement.
HSA vs FSA — which should I choose?
If you have access to an HDHP with HSA, an HSA is almost always better than a Health FSA. HSAs are portable (you keep them when you change jobs), have no "use it or lose it" rule, can be invested, and roll over indefinitely. See full comparison →