The IRS has released new benefit limits for 2026 that affect HSAs, FSAs, HRAs, and commuter benefits.
Here are the key updates for next year:
HSA contribution limits rise to $4,400 for individuals and $8,750 for families. The minimum deductible for a qualifying high-deductible health plan will be $1,700 for self-only coverage and $3,400 for family coverage. The out-of-pocket maximums increase to $8,500 and $17,000.
Health FSA limits increase to $3,400, with a carryover allowance of $680. The monthly limit for both transit and parking benefits goes up to $340.
These changes take effect January 1, 2026. Updated plan documents and employee communications should reflect the new limits before open enrollment.