CONTRIBUTION LIMITS For the 2026 and 2027 calendar years , the IRS allows you to contribute up to the following amounts into your Health Savings Account : 2026 • Single coverage : $ 4 , 400 • Any tier of Family coverage : $ 8 , 750 2027 • Single coverage : $ 4 , 500 • Any tier of Family coverage : $ 9 , 000 Additional catch - up contribution : Age 55 + : $ 1 , 000 HSA Introduction Pre - tax payroll deductions Tax - free withdrawals for eligible expenses Tax - free growth from interest or investment returns View Qualified Expenses Only those enrolling in the High Deductible Health Plan ( HDHP ), are eligible to set up a Health Savings Account ( HSA ). Health Savings Accounts allow you to set aside pre - tax money to help cover your deductible and pay for other out - of - pocket healthcare expenses for you and your dependents . You can start , stop , or change your contribution amount during the year . You can use funds for yourself , your spouse , and / or eligible tax dependents — whether they are on your medical plan or not . You cannot contribute to an HSA once you ’ ve enrolled in Medicare , but you can use any existing HSA dollars on health expenses , including Medicare premiums . HSA TRIPLE TAX SAVINGS HOW TO USE A HEALTH SAVINGS ACCOUNT H E A L T H S A V I N G S A C C O U N T ** IRS limits are based on a calendar year .