2026 COLAs for HSA-Qualifying HDHPs

7/9/2025

The IRS has released the 2026 cost-of-living amounts (COLAs) for HSA-qualifying high-deductible health plans.  Both the deductible and the out-of-pocket amounts (include deductibles, co-payments, and coinsurance, but not premiums) have increased for 2026:

Benefit

2025

2026

Minimum Annual Deductible for Single Coverage

$1,650

$1,700

Minimum Annual Deductible for Family Coverage

$3,300

$3,400

Maximum Out-of-Pocket Amount for Single Coverage

$8,300

$8,500

Maximum Out-of-Pocket Amount for Family Coverage

$16,600

$17,000

The contribution limits have also increased for 2026:

Contributor

2025

2026

Individual/Self Only

$4,300

$4,400

Family

$8,550

$8,750

The $1,000 catch-up contribution available to accountholders aged 55 and older is not tied to a COLA and remains at $1,000.

These 2026 COLAs are effective the first day of the first plan year on or after January 1, 2026.  If you have questions about the HSA COLAs for 2026, call ASR Health Benefits at (616) 957-1751 or (800) 968-2449.