New HSA Rules in 2026 You Need to Know

8%~Yes🎉

8 percent!

Does this include FSA? I'd rather have an FSA, since I will be getting retirement-healthcare from my employer. I have a ROTH, so no need for me to have another account that will mimic a ROTH. Thank you :) Oh and I'd be part of the 1% that has an F.S.A. (with an employer-sponsored retirement-healthcare) lolol

Not anymore . HSA may lower your tax bill. However, you can only use that money for approved medical expenses. I'd rather just use a ROTH and a Long-term savings account at 4.5 % interest. I don't make enough income to invest in anything else .

Do you need to have a job in order to fund HSA at 65 years and older?

Can you explain how people can make contributions to HSA if you are an adult child still on parents insurance, and if spouse can do their own plan if their spouse does the family plan. Last year, my husband did family limits but I did another $1k in my own account for catch up. My accountant said I could do more but I wasn’t sure.

The phaseout limit is a slap to the face.

Quick question do if i went to see the doctor and paid $500 and did not use HSA to pay for it for this year can i withdraw the $500 from HSA the next year? Is there a timelimit when i can use the HSA funds?

The 100k limit for additional contributions, is that gross or AGI? I usually max out both my 401K and my HSA so my AGI would be under 100k. Would I be eligible?

are the income limits with the HSA money already deducted or gross income?

One question i pondered is what is to keep someone from using the same receipts over and over to make HSA claims? For instance, if you have a receipt for $500 and make a claim in 2025. The IRS says to keep receipts for 3 years in case you get audited. Lets say you never get audited and 5 years later, you use the same receipt. They would never know? Am i missing something here?

Fred, I think I told you this happened to us in Scotland. Put my man bag down to try on a kilt and left my bag with passports at the store. I did not realize it for several days and was over 3 hours away from the town. When I called the police, I was told they destroy passports for identity theft prevention reasons, and I would need to go to our US embassy in London or Ireland. We drove the three hours, and after a little convincing, they gave us our passports back. We got lucky, but it really makes you feel so lost without an ID.

On another note, I have applied for my LTR visa. It's taking a little longer than the normal timeliness, but I am in the final review stage. I am still looking at Koh Phangan as a place to settle, but I will definitely make it up to your area as I would like to see you again.

The contribution deadline is the earlier of the statutory deadline or when you file, so you can use a year end bonus to fund your hsa but not your tax refund. I suppose hypothetically you could report a full hsa contribution on your return anticipating using the refund but you would be purposely filing an inaccurate return, opening yourself up to risk

When I found out how powerful an HSA was 1.5 years ago I started maxing it out

I don't understand how someone in the $75k to $100k (or $150k to $200k joint) range is expected to know how much extra they could contribute.

It sounds like the phase-out is based on AGI or MAGI, but those aren't typically calculated until AFTER all the HSA contributions have already been made. There are a lot of things that can happen throughout the year to change AGI/MAGI. Would someone need to pre-estimate and then pay back somehow if they over-estimated? Also, normally HSA is pre-FICA (SS/Medicare) as long as the contribution was through employer payroll deduction. So, would you have to somehow paying back FICA (SS/Medicare) if you over-estimated? Seems really weird and hard to calculate... Unless maybe they intend to base it off of prior-year AGI/MAGI... or maybe they won't allow you to go through a payroll deduction to begin with for these extra contributions. Or, maybe it is something you are expected to do at tax time after you've already figured out your exact AGI/MAGI? Of course that is also confusing, since HSA contributions reduce AGI/MAGI as well.

8 percenter here….

The $200 increase in limits is about the same as the inflation

Be aware that Medicare does a six monthly look back once you apply. That means you cannot contribute to HSA during that time. We have had employees retire at 65 who contributed to the HSA in those final six months prior to Medicare who have got tripped up on that.

Hello from Texas😊 In addition to the tax saving, my employer has $350 HSA match also😊 I plan to invest my HSA for another 20 years before using it😊 I am 55 so I did HSA $1000 catchup😊

Unless they change the qualifications rules it’s useless

I love my HSA, been compounding for years in the investment portion.

I recently found out that Medicare premiums are considered an eligible medical expense. Most of us will likely have to pay that so this is great to know.

Where can I open an hsa account?

What is the difference between paying medical expenses directly from the HSA account debit card and paying first and asking reimbursement later with the receipts?

I know this bill isn’t law yet, but the Bill you are referencing most of the HSA changes are effective starting in tax year 2026, including doubling, not in 2027 as you mentioned in your video.

What if you aren't sure where your income will fall by the end of the year, does that likely mean you will have to do a direct contribution to an HSA and miss out on saving FICA taxes? or do you think you can have it taken from your paycheck in advance just in case?

75k limit for expanded low income hsa contributions.... is this limit stated as gross income or modified adjusted gross income. Like max out a 401k and ira and that 75k becomes closer to 100k?

I’m from the states, if I don’t use my entire HSA for the year I lose it. I think I get to roll over $650 to the next year so how are you guys saving it for retirement?

In CA you will have to pay taxes on the earnings for state it’s not exempted

I hope they pass the HSA modernization act. It all everyone to get an HSA regardless of High deductible or employer sponsored plans.