Updated
Short answer: A full year of self-only coverage is $4,400. Family coverage at age 55 or older is $9,750. Seven months of self-only coverage is $2,566.67.
Self-only $4,400.00 plus catch-up $0.00 is $4,400.00 for 12 months. Contribution $4,400.00.
| Step | Amount |
|---|---|
| Self-only annual limit | $4,400.00 |
| Age 55 catch-up | $0.00 |
| Full-year limit | $4,400.00 |
| Months eligible | 12 of 12 |
| Contribution | $4,400.00 |
IRS source, checked 2026-10-11. IRS Publication 969 is the HSA contribution publication. The 2026 limits used here are $4,400 self-only and $8,750 family, plus $1,000 at age 55 or older.
The contribution is the annual limit, including the age-55 catch-up when it applies, times months eligible divided by 12. Family coverage at 55 or older for 12 months is $9,750. Seven months of self-only coverage is $2,566.67. This calculator prorates by months and does not apply the last-month rule. IRS Publication 969 says that if you are eligible on December 1 you are treated as eligible for the whole year and may contribute the full annual limit. The testing period is December 1 of that year through December 31 of the next year. Failing that testing period makes the extra contribution income, and a 10% additional tax can apply.
Planning only. This is not tax advice. SEP-IRA · Solo 401(k) · Self-employment tax
Self-only coverage is $4,400. Family coverage is $8,750. Age 55 or older adds $1,000. Family coverage at 55 or older is $9,750 for a full year.
Each month of eligibility is one-twelfth of the annual limit, including the age-55 catch-up when it applies. Seven months of self-only coverage is $2,566.67. This calculator does not apply the last-month rule. IRS Publication 969 says that if you are eligible on December 1 you are treated as eligible for the whole year and may contribute the full annual limit. The testing period is December 1 of that year through December 31 of the next year. Failing that testing period makes the extra contribution income, and a 10% additional tax can apply.