You’ve opened your HSA. Now it’s time to fund it. This step is where the real value starts — because how and when you contribute directly impacts your tax savings and long-term growth. How Much Can You Contribute in 2026 The IRS sets annual contribution limits. This includes everything combined — your contributions plus your employer’s. Coverage Type 2026 Annual Limit Monthly Equivalent Self-only $4,400 $367 Family $8,750 $729 Catch-up (55+) +$1,000 +$83 A few key rules: Empl

Once you’ve confirmed you have a qualifying HDHP, it’s time to open your HSA. If you haven’t verified your eligibility yet, read our guide here first. The good news — this part is simple. The more important decision is where you open it, because your provider impacts fees, investment options, and long-term growth. Let’s walk through it. Two Ways to Open an HSA There are two valid paths. Both give you the same tax advantages. Option A — Through Your Employer If your employer o

Before you open an HSA — or start contributing to one — there's one thing worth confirming first: do you actually qualify? The good news — the rules are pretty straightforward once you know what to look for. We'll walk you through exactly what you need to check so you can find out in just a few minutes. The HSA Qualification Rules To contribute to an HSA, you need to meet all four of these. Let's walk through each one. 1. You're enrolled in an HSA-eligible HDHP This is the bi

If you've heard the term HSA thrown around during open enrollment and nodded along without really knowing what it means — this is for you. Or maybe you already have one but haven't figured out what to actually do with it — this is for you, too. An HSA, or Health Savings Account, is a special type of savings account that lets you set aside money for healthcare expenses. What makes it different from a regular savings account isn't just what you can spend it on — it's how it's t