The numbers below are the official 2026 figures, sourced to the IRS documents that set them — updated every year when the new revenue procedures land.
| Limit | 2026 amount | Source |
|---|---|---|
| HSA — self-only coverage | $4,400 | Rev. Proc. 2025-19 |
| HSA — family coverage | $8,750 | Rev. Proc. 2025-19 |
| HSA catch-up (age 55+) | +$1,000 | IRC §223(b)(3), statutory |
| HDHP minimum deductible — self / family | $1,700 / $3,400 | Rev. Proc. 2025-19 |
| HDHP out-of-pocket max — self / family | $8,500 / $17,000 | Rev. Proc. 2025-19 |
| Health FSA election | $3,400 | Rev. Proc. 2025-32 |
| Health FSA carryover (plan permitting) | $680 | Rev. Proc. 2025-32 |
| Dependent Care FSA (household) | $7,500 | One Big Beautiful Bill Act |
| Excepted-benefit HRA | $2,200 | Rev. Proc. 2025-19 |
Sources: IRS Rev. Proc. 2025-19 (HSA, HDHP, excepted-benefit HRA amounts for 2026), irs.gov/pub/irs-drop/rp-25-19.pdf; IRS Rev. Proc. 2025-32 (health FSA and carryover), as reported by WEX, "2026 FSA limits, commuter limits announced," Oct. 9, 2025; Dependent Care FSA limit raised from $5,000 to $7,500 for plan years starting Jan. 1, 2026 by the One Big Beautiful Bill Act. Your employer's plan documents govern actual availability and design.
Everything lives in the member portal — balances, claims, card controls, statements. The address is on the back of your card: goaddcare.com/portal.
Ask in the portal — you get a plain-English answer for your specific account type before you’re at the register, not a denial letter afterward.
Sign in and lock the card immediately (it takes one tap), then contact support for a replacement. Locking protects the balance while the new card ships.
The HSA requires a high-deductible health plan, belongs to you for life, rolls over forever, and can be invested. The FSA works with any plan, makes the full election available on day one, and is mostly use-it-or-lose-it. Our accounts pages compare all four side by side.
It depends on your employer's plan design: some allow a carryover (up to $680 for 2026), some a grace period. We nudge you well before any deadline — forfeiting your own money is the outcome we're built to prevent.
When your employer runs the Asset Health wellbeing program with Addcare accounts, completed activities and challenges earn reward dollars that are deposited into your benefit account as employer contributions — real money, not gift cards.
Addcare is the benefit-accounts product line of Addventure, LLC, delivered with wellness partner Asset Health and administered on the WEX Health platform. New brand; decades-deep team and rails.
Addcare is employer-sponsored — talk to your HR or benefits team, or have them contact us. Brokers and consultants: we have a partner kit waiting for you.
Didn't find it? Email support@goaddcare.com — a person reads it.
