ABLE Account (529A Savings)

Offered by US Internal Revenue Service

Federal tax-advantaged savings account for individuals with disabilities — keeps savings shielded from SSI/Medicaid asset limits.

Eligibility

Disability onset before age 46 for accounts opened from 2026 under the ABLE Age Adjustment Act.

At a glance

• Funding type: free
• A diagnosis may be required
• Cost notes: 2026 annual ABLE contribution limit is $20,000 from all sources, with an additional ABLE-to-Work contribution possible for eligible employed beneficiaries. The first $100,000 in ABLE savings is disregarded for SSI resource-limit purposes.

Source and verification

Last source check: August 3, 2026

Check the current program details at the cited source. Eligibility, funding, availability, fees, and application steps can change.

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