Скачать или смотреть HSA & Health Insurance in 2026: What You Need to Know

With healthcare and health insurance costs rising, pairing a Health Savings Account (HSA) with a High-Deductible Health Plan (HDHP) remains one of the smartest ways to save on taxes and plan for future medical expenses.
HSA benefits:
Contributions are tax-deductible (or pre-tax via payroll)
Growth is tax-free when invested
Withdrawals for qualified medical expenses are tax-free
Funds roll over each year and stay with you, even if you change jobs
Think of your HSA as a health-focused retirement account — invest, grow tax-free, and use funds anytime for medical costs.
For 2026, contribution limits and HDHP thresholds have modestly increased:
Individuals can contribute up to $4,400, and families up to $8,750.
The catch-up contribution for those age 55+ remains $1,000.
To qualify, your HDHP must have at least a $1,700 deductible for individuals or $3,400 for families, with out-of-pocket maximums of $8,500 and $17,000, respectively.
Strategy tips for 2026:
• Open your HSA early and automate contributions.
• Invest once your balance grows for long-term, tax-free growth.
• Keep receipts for all medical expenses.
• Review whether an HDHP + HSA fits your health and financial goals.
Even with modest 2026 increases, HSAs remain a powerful, tax-efficient tool to manage healthcare costs and build long-term savings.
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