The IRS recently announced the 2027 inflation-adjusted limits for health savings accounts (HSAs) and high deductible plans (HDHPs). The IRS must publish these limits by June 1st of each year.
These limits include the following:
These limits depend on whether an individual is enrolled in self-only or family HDHP coverage.
For 2027, HSA limits increase to $4,500 for self-only HDHP coverage and $9,000 for family coverage, with an additional $1,000 catch-up for individuals age 55 and older. HDHP minimum deductibles rise to $1,750 (self-only) and $3,500 (family), and maximum out-of-pocket limits increase to $8,700 (self-only) and $17,400 (family).
| Type of Limit | 2026 | 2027 | Change | |
| HSA Contribution Limit |
Self-only |
$4,400 |
$4,500 |
Up $100 |
|
Family |
$8,750 |
$9,000 |
Up $250 |
|
| HSA Catch-up Contributions (not subject to adjustment for inflation) |
Age 55 and older |
$1,000 |
$1,000 |
No change |
|
HDHP Minimum Deductible
|
Self-only |
$1,700 |
$1,750 |
Up $50 |
|
Family |
$3,400 |
$3,500 |
Up $100 |
|
| HDHP Maximum Out-of-Pocket Expense Limit (deductibles, copayments and other amounts, but not premiums) |
Self-only |
$8,500 |
$8,700 |
Up $200 |
|
Family |
$17,000 |
$17,400 |
Up $400 |
|
For the 2027 plan year, employers offering HDHPs should confirm their plans meet the new IRS deductible and out-of-pocket limits. If you allow pre-tax HSA contributions, update employee communications with the higher HSA limits and coordinate with payroll to ensure elections stay within IRS guidelines. Download the bulletin for more details.