It’s that time of year again—benefit plan limits are getting a refresh for 2026! Here’s a quick look at the most important changes you’ll want to know:

401(k) Limits

• Pre-tax contributions: $24,500 (up $1,000 from 2025)
• Catch-up contributions: $8,000 (up $500 from 2025)
• Special exception: $11,250 for employees ages 60–63 (no change from 2025)

Want a full breakdown of all the latest retirement plan limits for 2026? Check out our blog post, IRS Announces 2026 Retirement Plan Limits

Health Savings Account (HSA) Limits

• Single coverage: $4,400 (up $100 from 2025)
• Family coverage: $8,750 (up $200 from 2025)
• Catch-up contributions: $1,000 (no change from 2025)

High Deductible Health Plan (HDHP) Limits

• Minimum deductibles:
  • Single: $1,700 (up $50 from 2025)
  • Family: $3,400 (up $100 from 2025)
• Maximum out-of-pocket costs:
  • Single: $8,500 (up $200 from 2025)
  • Family: $17,000 (up $400 from 2025)

Flexible Spending Account (FSA) Limits

• Contributions: $3,400 (up $100 from 2025)

If you have questions about these new limits or want to make sure you’re making the most of your benefits, reach out to our team! We’re here to help you shine bright in 2026.

This information is for general guidance only. For legal advice, please consult a licensed professional.

This post is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel for legal advice. Content sourced from Zywave.

• Category: News
• Tag: Compliance, Employee Benefits, Private Sector Retirement