An educational estimate — not advice.

Not professional advice

The information and estimates on this site are provided for general educational purposes only. They are not tax, legal, insurance, financial, or medical advice, are not a substitute for advice from a qualified professional, and don't create any advisory relationship. HSA decisions near Medicare have real financial consequences — a wrong "you can contribute" can turn into 6%-per-year excise tax on excess contributions. Before you act, confirm your situation with a tax professional or the official sources below.

Estimates, not determinations

The calculator produces an estimate, not an eligibility determination or a guarantee of any tax outcome. In particular:

• 2026 dollar limits. Figures use IRS Rev. Proc. 2025-19 ($4,400 self-only, $8,750 family, $1,000 age-55+ catch-up). As of mid-2026 there is no 2026 edition of Pub 969, so the Revenue Procedure — not Pub 969 — is the authority for the dollar amounts.
• Medicare proration. The tool prorates month-by-month and keys the stop-contributing date to your Medicare/Social Security application minus the 6-month Part A lookback (never before the month you turn 65). Your actual enrollment timing, employer size, and Social Security decisions determine the real result.
• Triple-tax value and projection. The dollar figures depend on your marginal rates, funding path, expected return, and time horizon — all inputs you choose. Projected investment growth is an illustration, not a promise, and California and New Jersey tax the in-account earnings annually.

Time-sensitive and subject to change

HSA figures and rules can change. This tool models current enacted federal law for 2026: the Rev. Proc. 2025-19 limits and the enacted HSA provisions of the One Big Beautiful Bill Act (Pub. L. 119-21) — bronze/catastrophic Exchange plans and Direct Primary Care now HSA-compatible, and a permanent telehealth safe harbor. Interim IRS guidance (Notice 2026-5) may be refined, and state-conformity bills change (for example, California's AB 781 to allow the federal deduction died January 31, 2026). Verify current status with primary sources — for example, congress.gov and the IRS — before relying on it.

Verify before you rely on it

For the mechanics, penalties, and the last-month rule, consult IRS Pub 969 and the Form 8889 instructions; for Medicare timing, the Social Security Administration. We do our best to keep figures accurate and to cite primary sources, but we make no warranty of accuracy or completeness and accept no liability for decisions made based on this site. See our terms of use.

No affiliation

hsalimit.com is an independent tool operated by Red Goggles LLC. It is not affiliated with, endorsed by, or connected to the IRS, CMS, the Social Security Administration, any HSA administrator, bank, or any financial institution.

Last updated: June 1, 2026