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IRS 2027 HSA Limits

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2027 HSA Maximum Contribution

For calendar year 2027, the maximum HSA contribution is $4,500 for an individual with self-only HDHP coverage and $9,000 for an individual with family HDHP coverage.

  • Self-only contribution limit is changing from $4,400 in 2026 to $4,500 in 2027.
  • Family contribution limit is changing from $8,750 in 2026 to $9,000 in 2027.

Catch-up contributions of $1,000 may still be made by HSA-eligible participants who are age 55 or older by the end of the calendar year.

What is a High Deductible Health Plan (HDHP)?

For calendar year 2027 a High Deductible Health Plan (HDHP) is defined as a health plan with:

  • A minimum annual deductible of $1,750 for self-only coverage or $3,500 for family coverage.
  • Maximum annual out-of-pocket expenses (including deductibles, copayments, and coinsurance, but excluding premiums) of $8,700 for self-only coverage or $17,400 for family coverage
HDHP (self-only coverage) 2026 2027
Annual deductible not less than: $1,700 $1,750
Annual out-of-pocket expenses don’t exceed: $8,500 $8,700

 

HDHP (family coverage) 2026 2027
Annual deductible not less than: $3,400 $3,500
Annual out-of-pocket expenses don’t exceed: $17,000 $17,400