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Does the HSA contribution limit include employer contributions?

Yes, the health savings account (HSA) contribution limit includes employer contributions and individual contributions.

The contribution limit for 2026 is $4,400 for self-only coverage and $8,750 for family coverage. If you’re 55 or older, you can make an additional $1,000 in catch-up contributions. If you go over these limits, the IRS charges a 6% penalty for every year the excess funds are in your HSA.

HSAs come with many tax benefits, but the rules can be complicated. Have questions or concerns? We’re open year-round for all your tax needs. Find tax services near you, then walk in or book now.

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Sharon Brucker, CPA Senior Tax Research Analyst Published on: August 21, 2026

Our Editorial Policy

^*This content is for general informational purposes only. It is not intended to be comprehensive and should not be construed as professional tax or financial advice for any specific individual tax situation. Taxpayers should always consult a qualified professional for individual guidance. This information constitutes a solicitation under the Treasury Department's Circular 230. Most offices are independently owned and operated.

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