HSA Health Insurance
What is an HSA-eligible health plan?
An HSA-eligible health plan is a high-deductible health plan (HDHP) that meets IRS requirements. In 2026, an HDHP must have a minimum deductible of $1,650 for individual coverage or $3,300 for family coverage. The out-of-pocket maximum cannot exceed $8,300 for individual or $16,600 for family.
Key Points
- HDHP requirements for HSA eligibility: minimum deductible and maximum OOP
- 2026 minimum deductible: $1,650 individual, $3,300 family
- 2026 maximum OOP: $8,300 individual, $16,600 family
- Must be enrolled in an HSA-eligible HDHP to contribute to an HSA
- An independent agent can help you find HSA-eligible HDHP plans