IRS releases cost-of-living adjusted limits for qualified high-deductible health plans
The IRS has released the 2026 cost-of-living adjusted (COLA) limits for qualified high-deductible health plans (QHDHP). The limits apply to minimum deductible and out-of-pocket maximums as follows:
HSA-compatible HDHP minimum required deductible
- Self-only HDHP coverage $1,700 ($50 increase from 2025)
- Family HDHP coverage $3,400 ($100 increase from 2025)
HSA-compatible HDHP out-of-pocket maximum
- Self-only HDHP coverage $8,500 ($200 increase from 2025)
- Family HDHP coverage $17,000 ($340 increase from 2025)
Read the full IRS document at IRS.gov.
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