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High-deductible plan deductibles increase slightly; employer HSA contributions unchanged
Summary
Administrators were told 2026 HDHP deductibles will rise modestly (single: $1,650→$1,700; family: $3,300→$3,400). Employer HSA contributions remain $700 (single) and $1,400 (family); IRS HSA contribution limits increase to $4,400 (single) and $8,750 (family) for 2026.
Larry summarized the consumer-directed health plan (CDHP) and HSA changes for 2026: the single-subscriber deductible will increase from $1,650 to $1,700 and the dependent/family deductible from $3,300 to $3,400. He said employer HSA contributions will remain at $700 per year for single subscribers and $1,400 per year for one-or-more dependents.
He also noted IRS-set employee contribution maximums will increase: the single maximum is expected to rise from $4,300 (2025) to $4,400 (2026), and the family maximum from $8,550 to $8,750. Larry reminded administrators that HSA catch-up contributions ($1,000) for employees age 55 and older still apply and that employees must consider whether wellness incentives push totals above IRS limits.
