HSA Calculator 2026
Estimate your HSA tax savings, max contributions ($4,400/$8,750), and long-term investment growth potential.
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Why an HSA Is the Best Tax-Advantaged Account in 2026
A Health Savings Account offers triple tax benefits that no other account — not a 401(k), not a Roth IRA — can match. Your contributions are tax-deductible, your investments grow tax-free, and withdrawals for qualified medical expenses are completely tax-free. After age 65, you can withdraw for any purpose (paying only income tax, like a traditional IRA).
2026 HSA Contribution Limits
For 2026, you can contribute up to $4,400 with self-only HDHP coverage or $8,750 with family coverage. If you are 55 or older, add a $1,000 catch-up contribution. The OBBBA also made Bronze and Catastrophic ACA plans HSA-eligible for the first time, expanding access to millions more Americans.
HSA as a Stealth Retirement Account
The smartest HSA strategy is to contribute the maximum, invest the balance in index funds, pay current medical expenses out of pocket, and let the HSA compound for decades. A $4,400 annual contribution at 7% returns over 30 years grows to over $440,000 — all tax-free for medical expenses in retirement, when healthcare costs are highest.