What is an HSA contribution limit for 2026 and can I contribute if my spouse has a family HDHP?

The IRS sets HSA limits annually and raises them for inflation, so confirm the current figure at irs.gov before you fund it. There is a separate, higher family limit and an additional catch-up amount for those 55 and older. To contribute, you must be covered by a qualifying high-deductible health plan and have no disqualifying coverage like a general-purpose FSA or Medicare.

If you are covered under your spouse's family HDHP, you can open your own HSA in your name and the household shares the family limit between you. Each spouse who is 55+ must make their own catch-up contribution to their own HSA. Coordinate so you don't jointly overfund and trigger a 6% excise tax.