As many of you know, I track the data needed to make inflation adjustments for Health Savings Accounts from one year to the next. I have accurately predicted the annual adjustments by the Internal Revenue Service for the past 19 years.
With the January 15 release of the December inflation figures by the Bureau of Labor Statistics, the inflation-adjusted amounts for HSAs for 2026 are coming into view. With only three months of data remaining to be collected, I can now project the HSA amounts for next year with virtual certainty.
I am projecting that the HSA amounts will see modest increases for 2026 since inflation has moderated. This is still good news for HSA owners as the contribution limits will rise again for 2026, although not as much as in recent years. For HSA-qualified insurance plans, the minimum deductibles and annual out-of-pocket limits will also see minor increases. This means health plans may need to change their plan designs for 2026. You can find my projections here.
Look for my final projections for 2026 in April. The IRS will release the official 2026 amounts later in April or in May.