2026 HSA or health-FSA contribution limit and income-tax savings — HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover.

2026 HSA or health-FSA contribution limit and income-tax savings — HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover.

Payment: x402 ($0.05 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: HSA limit = (self $4,400 / family $8,750) + (age≥55 ? $1,000 : 0); FSA limit = $3,400; tax savings = min(contribution, limit) × marginal rate