Reimbursement Account Contribution Limits
The internal Revenue Service updates reimbursement account contribution limits annually. These include Health Savings Accounts (HSA), Healthcare Flexible Spending Accounts (HCFSA), Limited Purpose Flexible Spending Accounts (LPFSA) and Dependent Care Accounts (DCA). See below for the latest information on contribution limits and eligibility rules.
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HSA Contribution Limits
|
Coverage
|
2026 Contribution Limit
|
2025 Contribution Limit
|
|---|---|---|
|
Individual
|
$4,400
|
$4,300
|
|
Family
|
$8,750
|
$8,550
|
|
Catch-Up Contributions*
|
$1,000
|
$1,000
|
Important: These are aggregate limits that apply to the account owner contributions and any contributions made by your employer. For example, if your employer contributes $1200 to your individual coverage, you would only be allowed to contribute $3,200 to avoid exceeding the 2026 contribution limit.
*Participants who are aged 55 and older can make an additional catch-up contribution on top of the maximum contribution limits.
FSA Contribution Limits
|
Coverage
|
2026 Contribution Limit
|
2025 Contribution Limit
|
|---|---|---|
|
HCFSA
|
$3,400
|
$3,300
|
|
LPFSA*
|
$3,400
|
$3,300
|
Note: These limits apply per individual. If you and your spouse or significant other both qualify for an HCFSA or LPFSA, you can each contribute the maximum amount.
*LPFSAs are designed to cover eligible dental and vision expenses only.
DCA Contribution Limits
|
Coverage
|
2026 Contribution Limit
|
2025 Contribution Limit
|
|---|---|---|
|
Individual or Married Couples Filing Separately
|
$3,750
|
$2,500
|
|
Family
|
$7,500
|
$5,000
|
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