HSA Contribution Calculator

Per IRS Rev. Proc. 2025-19, the 2026 HSA contribution limit is $4,400 for self-only HDHP coverage (up from $4,300 in 2025) and $8,750 for family HDHP coverage (up from $8,550). The catch-up contribution for HSA owners aged 55 and older stays at $1,000 per IRC §223(b)(3)(B) — the catch-up has not been inflation-indexed since 2009. Limits apply to the calendar year. Both employee and employer contributions count against the same statutory limit per IRC §223(b)(4).

Yes. Per IRC §223(b)(4), employer contributions (including matching contributions and any pre-tax employee contributions made through a cafeteria plan under IRC §125) count against the same statutory annual limit as personal post-tax contributions. If your employer puts $1,000 into your HSA and you have self-only HDHP coverage in 2026, your maximum personal contribution is $3,400 ($4,400 limit minus the $1,000 employer contribution).

HSA contributions are deductible from federal income tax (or pre-tax via payroll), earnings grow tax-deferred, and qualified medical withdrawals are tax-free per IRC §223. No other account in the U.S. tax code stacks all three. A payroll-deducted HSA contribution made through a cafeteria plan under IRC §125 also escapes the 7.65% FICA tax (6.2% Social Security + 1.45% Medicare per IRC §3101) — an advantage that 401(k) and IRA contributions do NOT share. This calculator surfaces all three layers separately so you can see the full triple-tax-advantage value.

Yes. Per IRC §223(b)(3)(B), HSA holders age 55 and older can contribute an additional $1,000 per year on top of the base limit. The catch-up is per HSA holder, not per household — if both spouses are 55+ and covered under a family HDHP, each spouse can contribute their own $1,000 catch-up, but each catch-up must go into a separate HSA in that spouse's name per IRC §223(b)(5)(B). The catch-up begins in the calendar year you turn 55, not on your birthday.

Two big changes at age 65. First, the 20% penalty on non-medical HSA withdrawals (IRC §223(f)(4)) disappears — non-medical withdrawals are just taxed as ordinary income, exactly like a Traditional IRA. This is the "stealth IRA" pivot that makes the HSA the most tax-advantaged retirement vehicle in the U.S. tax code. Second, once you enroll in Medicare (typically Part A at 65), you can no longer contribute to an HSA, but you can still spend from it. HSA dollars pay Medicare Part B, C, and D premiums tax-free; Medigap (Medicare Supplement) premiums are the exception and remain non-qualified.