Health Insurance and HSA
What is the best health insurance for people who want an HSA?
To contribute to a Health Savings Account (HSA), you must be enrolled in a High-Deductible Health Plan (HDHP). In 2026, the minimum deductible for an HDHP is $1,650 for individual coverage and $3,300 for family coverage. An independent agent can help you find HDHP/HSA-compatible plans.
Key Points
- HSA: requires enrollment in a High-Deductible Health Plan (HDHP)
- 2026 HDHP minimum deductible: $1,650 individual, $3,300 family
- HSA contribution limits 2026: $4,300 individual, $8,550 family
- HSA funds: tax-deductible, grow tax-free, withdrawn tax-free for medical expenses
- An independent agent can help you find HDHP/HSA-compatible plans