In 2026, all Marketplace Bronze and Catastrophic plans are high-deductible health plans (HDHPs) eligible for health savings accounts (HSAs). HDHPs must meet IRS criteria, including minimum deductibles and out-of-pocket limits. HSA contributions reduce taxable income and may increase premium subsidies. Contribution limits are $4,400 for individuals and $8,750 for families, with an extra $1,000 catch-up for those 55+. HDHPs offer tax savings but require weighing premiums, deductibles, and coverage needs.
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