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Federal insurance numbers change every year, and a number without a date is worth nothing. Here is every figure this site uses, the government document it came from, and the day it was last checked against that document.
Checked
$10,600 individual · $21,200 family
Applies to the 2026 plan year.
This is the federal ceiling, not your plan's number. Most plans set theirs lower. Your own figure is on your Summary of Benefits and Coverage.
Source:HealthCare.govsecond source
Checked
$4,400 self-only · $8,750 family
Applies to the calendar year 2026.
Read directly from the Revenue Procedure. IRS Publication 969's web page still shows the 2025 edition as of this date.
Source:IRS Rev. Proc. 2025-19
Checked
$1,700 self-only · $3,400 family
Applies to the calendar year 2026.
A plan must have at least this deductible to qualify as a high-deductible health plan for HSA purposes.
Source:IRS Rev. Proc. 2025-19
Checked
$8,500 self-only · $17,000 family
Applies to the calendar year 2026.
The Revenue Procedure counts deductibles, co-payments and other amounts toward this — but NOT premiums. Premiums are on top, all year, and never count toward any of it.
Source:IRS Rev. Proc. 2025-19
These are published federal figures with citations. They are not advice, and none of them is your plan’s number. Your deductible, your copay and your out-of-pocket maximum are printed on your own Summary of Benefits and Coverage, and they will usually be lower than the federal ceiling.
Every figure here is read from the government document itself rather than from a summary of it. Where a source is a PDF, the value was extracted from the text of that PDF.
