Max out an HSA and build a reimbursement receipt vault

  1. Verify your HDHP meets IRS minimums
    15 min

    This step produces a yes/no answer: does your health plan qualify as a high-deductible health plan (HDHP) under Internal Revenue Code § 223? If it does not, you cannot contribute to an HSA for any month you were covered by it. The two numbers that matter are the plan’s annual deductible and its maximum out-of-pocket limit.

    For 2026, an HDHP must meet or exceed these thresholds:

     Minimum deductibleMax out-of-pocket
    Self-only$1,700$8,500
    Family$3,400$17,000
    1. Open your plan’s Summary of Benefits and Coverage (SBC) — a 6–8 page PDF on your insurer’s website or your employer’s benefits portal.
    2. Find the rows labelled “Annual Deductible” and “Maximum Out-of-Pocket.”
    3. Compare against the table above. Both numbers must equal or exceed the threshold for your coverage tier.
    4. Confirm you have no other disqualifying health coverage (see callout below).