Take a few minutes to learn more about your Health Savings Account (HSA) below.
Contributing To and Using HSA Funds
Contributions to your HSA come from two sources – you and your employer. All the money in your account is yours to spend on qualified health care expenses or save for future expenses. The table below shows the maximum amounts that can be contributed to your HSA. Anyone age 55 and older can contribute an additional $1,000 annually.
Remember, you may not use HSA funds to reimburse expenses incurred prior to your HSA being opened, or expenses incurred prior to being enrolled in a High Deductible Health Plan (HDHP).
Employees who are currently enrolled in Medicare are not eligible to contribute towards their HSA.
Coverage Level
2026 Annual Contribution Limit (combined employer and employee contributions)
Kodiak Annual Contribution
Your 2026 Annual Contribution Maximum
Employee only
$4,400
$1,500
$2,900
Employee + Spouse
$8,750
$3,500
$5,250
Employee + Child(ren)
$8,750
$3,500
$5,250
Employee + Family
$8,750
$4,000
$4,750
Click on a question below to learn more about your HSA!