Health insurance open enrollment begins Nov. 1. One option is a high-deductible health plan (HDHP) paired with a Health Savings Account (HSA). You fund the higher deductible by contributing pretax income to the HSA. The 2026 contribution limits are $4,400 for self-only accounts and $8,750 for family coverage. You can withdraw HSA funds tax-free to pay for qualified medical expenses. For 2026, qualified HDHPs must have annual deductibles that aren't less than $1,700 for self-only coverage or $3,400 for family coverage. Annual out-of-pocket expenses (deductibles, co-payments and other amounts, but not premiums) can't exceed $8,500 for self-only coverage or $17,000 for family coverage.
