You decide how much money you want to save in your HSA, and you can change it at any time. It’s a smart idea to save enough to cover your annual deductible.
For 2026, you can save up to if you’re covering just yourself, or if you’re covering yourself and your family. If you’re age 55 or older (or will turn age 55 during the plan year), you can also make additional “catch-up” contributions to your HSA up to $1,000.
And if you don’t need that much health care, your money stays in your account and earns tax-free interest. It’s a great way to save for future expenses.
