What changed in 2026
- Bronze and catastrophic plans: individual bronze and catastrophic plans available through an exchange are treated as HSA-qualifying high-deductible plans.
- Direct primary care: people in qualifying DPC arrangements can contribute to an HSA, and can use HSA funds to pay the membership fees, within a monthly limit (the IRS set it at $150 for an individual and $300 for a family arrangement).
- Telehealth: plans can cover telehealth before the deductible without affecting HSA eligibility, now on a permanent basis.
2027 limits
For 2027 the IRS has set HSA contribution limits of $4,500 for self-only coverage and $9,000 for family coverage, with an extra $1,000 catch-up contribution for people aged 55 or older.
Using your HSA for dental and cosmetic care
HSA funds can generally pay for qualified dental care such as cleanings, fillings, braces and implants. Purely cosmetic procedures, such as teeth whitening or elective cosmetic surgery, generally do not qualify. See dental care and direct primary care.
General information, not medical, legal or insurance advice. This post reflects the position on the date shown. Check the official sources below for the latest rules.
Last updated: 15 October 2026
