Higher HSA contribution limits for 2026
Have you heard? The IRS raised HSA contribution limits for 2026. Individuals can now contribute $4,400 and families can contribute $8,750. It's a smart, simple way to save on health costs today while helping your money grow for health care spending tomorrow.
Take charge of your health care costs
Browse our resources and see how an Optum Financial health account can help you.
Qualifying medical expenses
Use your health account funds on all kinds of everyday medical items.
Save on health costs and taxes
Contribute the maximum to your HSA each year for maximum tax benefits.
Uploading a receipt is easy
Learn to submit a medical expense receipt online in this short video.
Resources (35)
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What the “One Big Beautiful Bill” Act means for you
The new law, signed in 2025, brings changes that may impact how you save, spend and plan for your health and family needs.
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IRS plan contribution limits
Get updates on annual IRS contribution limits for flexible spending accounts (FSAs), dependent care FSAs (DCFSAs), commuter benefits and more.
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IRS 2024 HSA contribution limits
The IRS announced an increase in HSA contribution limits for the 2024 tax year.
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Transfer your HSA
Save time by combining your HSA funds into one account with Optum Financial.
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HSA-FSA card: Pay the smarter way
Your card is the most convenient way to pay for qualified expenses. You also save an average of 30% since you're using pretax funds.
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HSA Tax Center
Questions about your taxes? We're here to help. You can get copies of your most recent tax forms by signing in to your account.
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Health savings account (HSA) webinars
Are you making the most of your HSA? Check out a live webinar offered by Optum Financial and get answers to your questions from an HSA expert.
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Claims resource center
Claims can feel complicated. The process to get reimbursed doesn't have to be. Find answers and resources to simplify it below.
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HSA and FSA cards
You just swipe, save, and skip the extra steps, plus, you save up to 30%* because you’re using pre-tax dollars.
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Calculate your health savings
See how your health accounts can impact your wallet. Use our tools and resources to calculate how to save and pay for qualified expenses.
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Health Savings Checkup tool
Estimate health care costs during retirement.
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Optum Financial mobile app
Save time and take control with our advanced mobile app. Download the app today.
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What is a dependent care FSA?
Learn how you can use tax-free money to pay for dependent care.
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IRS 2023 HSA Contribution Limits
The IRS announced an increase in HSA contribution limits for the 2023 tax year.
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HSAs: Part of Your Financial Plan
Learn more about how your HSA can be part of your broader financial planning to create a savings nest egg and potentially save big on taxes.
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HSAs and Medicare
Learn more about what happens to your HSA once you enroll in Medicare.
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Add a beneficiary to your HSA or MSA
Take a minute to ensure you have a beneficiary selected.
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Contribution limits
Max out your HSA this year with the contribution limit set by the IRS.
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HSA withdrawal correction form
This form can be used to redeposit funds withdrawn in error and cannot be used to correct an Excess Contribution Return.
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How to file a claim
Learn how to file a claim for an out-of-pocket expense using your flexible spending account (FSA). It’s easy.
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HSA investment overview
Watch this video to learn more about how to set up your investment account — and start investing today.
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Spending your FSA dollars
Learn more about how to manage your FSA funds so you don't lose them.
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The five stages of your HSA journey
Learn more about the five-stage journey we go through as we save and pay for qualified medical expenses.
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Options to Invest Your HSA
This video shows you the differences between your two investment options and how to get started.