2026 HSA rules are expanding what counts as a high-deductible health plan — and that means more flexibility, more savings, and more choices when selecting your insurance this year.
Thanks to updated federal guidelines from the IRS and Healthcare.gov, bronze and even catastrophic plans now qualify for HSA use. This opens the door for individuals and families in Kansas and across the country to access tax savings and lower monthly premiums — without sacrificing coverage.
If you’re wondering how to make the most of your HSA in 2026, here’s what you need to know before open enrollment ends.
What Are the New 2026 HSA Rules
The IRS and Centers for Medicare & Medicaid Services (CMS) have updated how HSA eligibility is determined in 2026. According to Healthcare.gov and IRS Notice 2026-05:
- **Bronze** and **Catastrophic** plans can now qualify as HSA-eligible
- Plans must still meet minimum deductible thresholds ($1,650 for individuals, $3,300 for families in 2026)
- Preventive care and virtual telehealth services can be included without disqualifying the HSA
- Direct Primary Care arrangements are allowed, if structured properly
That means more Kansans — including healthy adults and cost-conscious families — can pair low-premium plans with tax-free savings accounts.
How Do HSAs Work Under the 2026 Rules
With the 2026 HSA rules in place, eligible individuals can open or contribute to a Health Savings Account when enrolled in a qualifying plan. These accounts let you:
- Make tax-deductible contributions
- Grow savings tax-free
- Withdraw funds for qualified medical expenses without paying taxes
In 2026, contribution limits are:
- $4,300 for individuals
- $8,550 for families
- Extra $1,000 catch-up for age 55+
HSAs are ideal for those who want to reduce taxable income while preparing for future health care costs — including dental, vision, prescriptions, and more.
What Plans Qualify for HSA Use in 2026
One of the biggest shifts in the 2026 HSA rules is the addition of more Marketplace plan types that meet eligibility criteria. According to KFF.org and HSA Bank, qualifying plans must:
- Be labeled as a “High Deductible Health Plan” (HDHP)
- Meet the 2026 minimum deductible limits
- Not offer non-preventive benefits before deductible (except as permitted)
Previously, only Silver or Gold HDHPs were common HSA options. In 2026, Bronze and Catastrophic plans — which often have the **lowest monthly premiums** — may now be paired with an HSA for tax savings. This is especially useful for:
- Healthy adults with few medical visits
- Young professionals and freelancers
- Families managing budget and risk strategically
If you’re not sure which plans qualify, a licensed local agent at ICT Insurance Group can help you find the right HSA-compatible coverage in your state.
What Counts as a Qualified Medical Expense
HSA funds in 2026 can be used for a wide range of health-related expenses — all tax-free. According to IRS Publication 502, these include:
- Doctor visits and hospital care
- Dental work and vision exams
- Chiropractic and acupuncture
- Prescriptions, insulin, and medical equipment
- Mental health therapy and substance abuse treatment
Even over-the-counter medications and menstrual care products qualify. Be sure to save receipts or use an HSA debit card to streamline the process.
Is an HSA Plan Right for You in 2026
If you want to:
- Lower your monthly premiums
- Save money on taxes
- Build long-term funds for medical costs
- Take control of your health care budget
Then exploring the 2026 HSA rules and your eligibility could be a smart financial move. For Kansas residents and families in our 29 licensed states, HSA-compatible plans are more accessible than ever — and may be the missing piece of your insurance strategy.
Talk to an HSA Expert at ICT Insurance Group
Not sure where to start? Our local agents specialize in helping individuals, families, and self-employed clients navigate the 2026 HSA rules and find the best combination of cost, tax savings, and coverage.
Schedule your free HSA plan review or call (316) 440‑6111 to talk with a licensed advisor today.
