To contribute to an HSA, you must be enrolled in a high-deductible health plan (HDHP). For 2026, an HDHP has a minimum deductible of $1,650 (individual) or $3,300 (family), and an out-of-pocket maximum of $8,300 (individual) or $16,600 (family). HDHPs are not right for everyone — if you have high ongoing medical costs, a traditional plan with lower deductibles may save you more overall. Run the numbers for your specific situation.