For the 2026 calendar year, t he I RS allows you to contribute up to following amounts into your Health Savings Account: Single coverage: $ 4,400 Any tier of Family coverage : $8,750 Additional catch - up contribution: Age 55+: $1,000 IRS li mits include combined employer and employee contributions shapeBookletColorPrimary,shapeBookletPrimaryFontColor HSA Introduction Only f or those enrolling in the High Deductible Health Plan (HDHP), you are eligible set up a Health Saving s 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 . Tax - free growth from interest or investment returns 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 youve enrolled in Medicare, but you can use any existing HSA dollars on health expenses, including Medicare premiums.