2026 Limits to Know

February 1, 2026

Many benefit plan limits have changed for the new calendar year.

Here are some limits to review for 2026:

401(k) Limits

  • Pre-tax contributions: $24,500
    (up $1,000 from 2025)
  • Catch-up contributions: $8,000
    (up $500 from 2025)

    • Exception: $11,250 for employees ages 60-63
      (no change from 2025)

Health Savings Account (HSA) Limits

  • Pre-tax contributions:
    • Single coverage: $4,400
      (up $100 from 2025)
    • Family coverage: $8,750
      (up $200 from 2025)
  • Catch-up contributions: $1,000
    (no change from 2025)

High Deductible Health Plan (HDHP) Limits

  • HDHP minimum deductibles:
    • Single coverage: $1,700
      (up $50 from 2025)
    • Family coverage: $3,400
      (up $100 from 2025)
  • HDHP maximum out-of-pocket costs:
    • Single coverage: $8,500
      (up $200 from 2025)
    • Family coverage: $17,000
      (up $400 from 2025)

Flexible Spending Account (FSA) Limits

  • Contributions: $3,400
    (up $100 from 2025)

Reach out to us for more information on any of these limits.

This infographic is intended for informational use only. Consult a licensed legal professional for legal advice. © 2025 Zywave, Inc. All rights reserved.

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