2026 HSA limits: your under-65 clients won’t remember these numbers. But they will remember the agent who does.

HSAs are one of the easiest “value adds” you can bring to an ACA or small-business conversation. Not because you’re trying to be a tax pro… but because you’re helping people keep more of what they earn.

In 2026, the HSA limits increased again. Here’s the quick-scan table, the minimum HDHP rule that trips people up, and a one-sentence way to explain why HSAs are so powerful.

(As always: you’re not giving tax advice—you’re giving planning clarity.)

Save this. Screenshot it. Use it in every U65 conversation.

HSA Contribution Limits (2026)

• Self-only: $4,400
• Family: $8,750
• Age 55+ catch-up: $1,000 (in addition to the limit)

An HSA only works if the client is enrolled in an HSA-eligible high-deductible health plan (HDHP).

For 2026, one key minimum to know is:

• Individual deductible must be at least $1,700 to qualify as an HDHP (self-only coverage).

(There are other HDHP requirements, but this is the number that helps you spot “not actually eligible” quickly.)

Here’s your “triple tax” line. Keep it simple:

Agent: “HSAs are the ‘triple tax’ account—money goes in tax-free, grows tax-free, and comes out tax-free when used for qualified medical costs.”

That sentence alone makes you sound like you brought a financial planner to the appointment.

HSAs are perfect for people who:

• are healthy most years
• want lower monthly premiums
• run a small business
• have a higher income and want legal tax shelters
• like having control (they hate “use it or lose it” accounts)

And HSAs often don’t fit people who:

• need lots of care right now
• live paycheck to paycheck
• panic when they hear “deductible”

Your job is not to push HSAs. It’s to match the right tool to the right person.

Try this opener:

Agent: “Before we pick a plan, quick question—do you like the idea of paying less each month and putting the savings into an account you can use for healthcare later?”

If they say yes:
Agent: “Great. Then we should look at an HSA plan. In 2026 you can put in up to $4,400 (or $8,750 for family), and it’s one of the few accounts with triple tax advantages.”

If they say no:
Agent: “No problem. Then we’ll focus on a plan with more predictable copays.”

Clients make decisions when they see the benefit in their own wallet.

Here’s a simple example you can explain:

• Client saves $80/month by choosing an HDHP option
• They put $80/month into the HSA
• That’s $960/year saved for future medical costs

Now add tax savings:

• If they’re in a 22% bracket, a $960 contribution can reduce taxable income (results vary)
• Plus growth can be tax-free
• Plus withdrawals for qualified expenses are tax-free

You don’t need to promise results. You just show the idea.

Small business owners love two things:

1. control
2. tax efficiency

Try this:
Agent: “A lot of business owners use HSAs like a ‘healthcare rainy-day fund.’ You keep the money if you change jobs or plans, and it can build over time.”

Then ask:

• “Do you want to pay medical bills as they come, or would you rather build a fund?”
• “Do you want lower premiums and more control?”

When you talk HSAs, remember:

• You generally can’t contribute if you’re on Medicare
• Some other coverage can impact eligibility (like certain FSAs)
• Contribution limits include employer contributions
• Receipts matter (clients should keep them)

Keep it simple:
Agent: “If you choose an HSA plan, I’ll also show you how to avoid the common mistakes.”

“Do I lose the money if I don’t use it?”
No. HSAs roll over year to year and stay yours.

“Is this like an FSA?”
Not really. FSAs are often use-it-or-lose-it. HSAs are owned by you.

“Can I invest it?”
Many HSA accounts allow investing once you hit a balance threshold.

Make this easy for yourself:

• Save the quick-scan table in your phone
• Use the triple tax sentence on your next U65 call
• Add one discovery question to your script: “Would you like the option to build an HSA?”

If you want a closing line that books the next step:
Agent: “If you send me a screenshot of your doctors and meds, I’ll tell you in 10 minutes whether an HSA plan fits you in 2026.”

Myth 1: “If I don’t spend it, I lose it.”

That’s FSA thinking. HSAs roll over and stay with the client.

Myth 2: “An HSA is only for rich people.”

Not true. But it does work best when someone can fund it consistently.

Myth 3: “HSAs are complicated.”

The rules can be, but the concept is simple: save now, spend later, keep the tax advantages.

1. Plan: “This plan has a higher deductible but usually a lower premium.”
2. Account: “The HSA is where we park the savings.”
3. Control: “You keep the money, and you decide when to use it.”

Post this as a short social caption:

“2026 HSA limits are up again: $4,400 self / $8,750 family. If you’re under 65 and healthy most years, an HSA plan could be a smart move. Want me to check your options?”

• HSA: You own it. It rolls over. It can grow. You keep it if you change jobs.
• FSA: Usually employer-owned. Often “use it or lose it.” It resets each year.

You can say:
Agent: “HSAs are long-term. FSAs are short-term.”

Subject: 2026 HSA limits increased—here are the numbers

Body:
"Hi ,
Quick update: 2026 HSA limits are $4,400 self / $8,750 family (plus a $1,000 catch-up at age 55+). If you're healthy most years, an HSA plan can be a smart way to lower premiums and build a tax-advantaged healthcare fund.

Want me to check if you're a good fit? Reply YES."

Clients often ask, “So how much should I put in?”

Safe answer:
Agent: “That depends on your budget, but even $25–$50 a paycheck builds a real cushion over time. The key is consistency.”

It keeps you helpful without giving tax advice.

Bring the Numbers, Build the Trust
HSA conversations aren’t about tax advice—they’re about planning clarity. When you show up with the limits and the logic, you’re positioning yourself as the agent who thinks ahead.