monday.com employees face new IRS limits for HSAs and FSAs

The IRS has set 2026 health savings account limits at $4,400 for self-only coverage and $8,750 for family coverage, a change monday.com employees should not ignore if their health plan is tied to an HSA-qualified high-deductible plan. Revenue Procedure 2025-19, released May 1, 2025, also sets the deductible and out-of-pocket thresholds that determine whether an employee can contribute at all, which means the contribution number matters only after the eligibility test is clear.

That is where many workers leave money on the table. An HSA can work as both a spending account and a long-term tax-advantaged savings vehicle, but only if the plan meets federal deductible and out-of-pocket standards. If a monday.com employee expects regular medical, dental or vision expenses, an FSA may still be the cleaner choice, especially when payroll deductions and carryover rules make it easier to match contributions with near-term bills rather than overfund an account that may not get used.

The FSA side needs its own check. IRS Publication 969 says the 2025 health FSA salary-reduction limit is $3,300, and if a plan allows carryover, the maximum carryover is $660. Those numbers matter because FSA elections are usually a one-shot decision, and the wrong election can leave employees either scrambling for receipts or forfeiting unused money. For workers trying to catch up on tax-favored savings, the better move is not to guess at a number but to compare the expected annual medical spend against the plan design before payroll elections lock in.

That decision window is time-sensitive. The U.S. Office of Personnel Management says the 2025 federal open season ended in December 2025 and the next one is expected in November 2026, a reminder that benefits choices can close fast and stay fixed for the next plan year. monday.com employees should use the same discipline with their own enrollment period: verify whether the company offers an HSA-eligible high-deductible plan, whether there is an employer contribution, and whether any FSA includes carryover or use-it-or-lose-it restrictions.

Public employee-review sites suggest monday.com offers a high-deductible health plan and may offer HSA or FSA options, but those reviews are anonymous and only directional. The benefits booklet is the document that counts. For engineers, product managers and sales teams weighing salary, equity and healthcare, the tax treatment of the account can change the real value of the package more than the headline contribution number does.