An HSA is the only account that is tax-free going in, growing and coming out. See your saving.
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If you have an HSA-eligible high-deductible health plan, you can put $4,400 (self-only) or $8,750 (family) into a Health Savings Account for 2026, plus $1,000 at 55+. Employer money counts towards the limit.
Contributions lower your taxable income — and skip 7.65% Social Security and Medicare tax if made through payroll. Money spent on qualified medical costs is tax-free, and invested balances can grow for decades.
| HDHP coverage | Family |
| Your age | 40 years |
| You contribute (0 = maximum) | 0 $ |
| Employer contribution | 1,000 $ |
| Through payroll? | Yes (saves FICA too) |
| Federal tax bracket | 22% |
| State income tax rate | 5% |
| Medical spending from the HSA a year | 0 $ |
| Years to project | 20 years |
| Yearly return | 6% |
| Tax saved this year | $2,685 |
| 2026 limit for you | $8,750 |
| You contribute | $7,750 |
| Employer adds | $1,000 |
| HSA after 20 years | $341,186 |
$2,685.
| HDHP coverage | Self-only |
| Your age | 30 years |
| You contribute (0 = maximum) | 2,000 $ |
| Employer contribution | 0 $ |
| Through payroll? | Yes (saves FICA too) |
| Federal tax bracket | 12% |
| State income tax rate | 5% |
| Medical spending from the HSA a year | 0 $ |
| Years to project | 20 years |
| Yearly return | 6% |
| Tax saved this year | $493 |
| 2026 limit for you | $4,400 |
| You contribute | $2,000 |
| Employer adds | $0 |
| HSA after 20 years | $77,985 |
$493.
$4,400 for self-only coverage and $8,750 for family coverage, plus $1,000 catch-up from age 55.
A high-deductible plan with a deductible of at least $1,700 (self) or $3,400 (family). From 2026 bronze and catastrophic marketplace plans also qualify.
You can withdraw for any reason without penalty, paying income tax on non-medical use — like a traditional IRA. Medical withdrawals stay tax-free.
Yes. Unlike an FSA, there is no use-it-or-lose-it rule; the money is yours even if you change jobs.