ABLE Accounts Are Changing in 2026 — Here’s What You Need to Know

ABLE accounts allow people with disabilities to save money without risking eligibility for benefits like SSI and Medicaid. Each year, the rules and limits can shift slightly — and 2026 brings an important change.

Age of Eligibility Increases

Starting in 2026, more people will be able to open ABLE accounts because the maximum age of onset for the qualifying disability is increasing. This expands the pool of eligible participants and provides more opportunities to save for disability-related expenses.

Contribution and Savings Remain Important

The annual contribution limits remain in place, and the total balance still cannot exceed the state’s 529 plan maximum for qualified expenses. This ensures the accounts remain a safe, protected place to grow savings over time.

Why This Matters

ABLE accounts give individuals with disabilities and their families more control over finances and planning for the future. With the age eligibility increasing, even more people can take advantage of this tool to save for education, healthcare, housing, and other disability-related costs — all without risking federal benefits.

ABLE accounts continue to be a practical way to save for the future while protecting eligibility for key benefits. Understanding the 2026 changes now ensures you can plan ahead and make the most of your account.