Bronze and Catastrophic Plans Are HSA-Eligible in 2026

Starting in 2026, bronze and catastrophic plans bought through a Marketplace count as high-deductible plans for HSA purposes, direct primary care arrangements no longer block contributions, and pre-deductible telehealth is permanently allowed (IRS, Notice 2026-05). If you pick one in open enrollment, you can open an HSA and contribute the prorated limit.

Last reviewed 2026-10-29. General information, not tax advice. Form 8889, its instructions, Pub. 969 and a tax professional come first.