5 min read·Updated Jan 2026
📅 Updated for 2026
2026 Health Insurance Limits & Key Numbers
Every year the IRS and CMS announce updated limits for HSAs, FSAs, Medicare, and ACA plans. Here are all the numbers you need for 2026 in one place.
💰 HSA Contribution Limits
| Coverage Type | 2026 Limit | 2025 Limit | Change |
|---|---|---|---|
| Self-only | $4,300 | $4,150 | +$150 |
| Family | $8,550 | $8,300 | +$250 |
| Catch-up (age 55+) | $1,000 | $1,000 | No change |
HSA contributions must be paired with an HDHP. What is an HSA?
📋 HDHP Thresholds (to qualify for HSA)
| Requirement | Self-Only 2026 | Family 2026 |
|---|---|---|
| Minimum deductible | $1,650 | $3,300 |
| Maximum out-of-pocket | $8,300 | $16,600 |
🏥 FSA Limits
| FSA Type | 2026 Limit | 2025 Limit | Rollover Max |
|---|---|---|---|
| Health FSA | $3,300 | $3,200 | $660 |
| Dependent Care FSA (single/MFJ) | $5,000 | $5,000 | None |
| Dependent Care FSA (MFS) | $2,500 | $2,500 | None |
🏛️ ACA Marketplace Limits
| Limit | Self-Only 2026 | Family 2026 |
|---|---|---|
| Out-of-pocket maximum | $9,200 | $18,400 |
| Federal Poverty Level (single) | $15,060/yr | Varies by size |
| Subsidy eligibility (no income cap) | Any income above 100% FPL | Any income above 100% FPL |
🏥 Medicare 2026 Costs
| Medicare Cost | 2026 Amount | 2025 Amount |
|---|---|---|
| Part A premium (most people) | $0/month | $0/month |
| Part A deductible (per benefit period) | $1,676 | $1,632 |
| Part B standard premium | $185.00/month | $174.70/month |
| Part B deductible (annual) | $257 | $240 |
| Part B coinsurance (after deductible) | 20% | 20% |
| Part D income-related surcharge (IRMAA) threshold | $106,000 (single) | $103,000 (single) |
⚠ These figures are based on IRS and CMS announcements for 2026. Always verify current limits with the IRS (irs.gov), CMS (cms.gov), or Medicare (medicare.gov) before making financial decisions.
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