Health savings accounts are tax-advantaged medical savings accounts available to people enrolled in high-deductible health plans (plans with deductibles of at least $1,700 for individuals and $3,400 for families). To qualify for a health savings account, your plan also needs to meet an out-of-pocket maximum below specified thresholds. In 2026, the out-of-pocket maximum for an HSA-qualified health plan must be less than $8,500 for individual coverage or $17,000 for family cove