2027 HSA Limits: The Family Cap Reaches $9,000 for the First Time
These are final IRS figures, not projections. The family contribution limit reaches $9,000 for the first time, up from $8,750.
What are the 2027 HSA and HDHP limits?
Rev. Proc. 2026-24, issued May 29, 2026, sets the official 2027 amounts: HSA contributions of $4,500 for self-only coverage (up $100) and $9,000 for family coverage (up $250, the first time the family limit reaches $9,000). The age-55 catch-up stays at $1,000 because IRC §223(b)(3) fixes it without indexing. To be an HDHP in 2027 a plan needs a minimum annual deductible of $1,750 self-only or $3,500 family, with out-of-pocket maximums no higher than $8,700 self-only or $17,400 family, unless it is a bronze or catastrophic plan available as individual coverage through an Exchange, which counts as an HDHP regardless of these amounts (Notice 2026-5). The maximum newly available amount for an excepted-benefit HRA is $2,250.
- OFFICIAL 2027 HSA self-only limit: $4,500 (up $100).
- OFFICIAL 2027 HSA family limit: $9,000 (up $250) — first time at $9,000.
- Age-55 catch-up: $1,000, statutory and never indexed.
- 2027 HDHP minimum deductible: $1,750 self / $3,500 family.
- 2027 HDHP out-of-pocket max: $8,700 self / $17,400 family.
- Excepted-benefit HRA maximum: $2,250.
Source:IRS Rev. Proc. 2026-24
2026 vs 2027
| Amount | 2026 | 2027 | Change |
|---|---|---|---|
| Contribution limit — self-only | $4,400 | $4,500 | +$100 |
| Contribution limit — family | $8,750 | $9,000 | +$250 |
| Catch-up (age 55+) | $1,000 | $1,000 | — |
| HDHP minimum deductible — self-only | $1,700 | $1,750 | +$50 |
| HDHP minimum deductible — family | $3,400 | $3,500 | +$100 |
| HDHP out-of-pocket maximum — self-only | $8,500 | $8,700 | +$200 |
| HDHP out-of-pocket maximum — family | $17,000 | $17,400 | +$400 |
How much 2026 room do you have left?
2026 room remaining
$8,750
Against a $8,750 annual limit. Employer contributions count against the same cap.
Your 2027 limit
$9,000
Set your January payroll election from this figure.
This checker assumes you are HSA-eligible for the full year. If your HDHP coverage started mid-year, your limit is pro-rated month by month unless you rely on the last-month rule, which carries a 13-month testing period. Medicare enrollment ends eligibility from the first of the month it begins.
What to check before January
- Confirm your 2027 plan still clears the $1,750 / $3,500 minimum deductible. Plans drift, and a plan that stops qualifying makes your contributions ineligible. The exception is a bronze or catastrophic plan available as individual coverage through an Exchange (or the identical plan bought off-Exchange): it counts as an HDHP regardless of these amounts (Notice 2026-5; see the bronze and catastrophic plan guide).
- Married couples with family coverage share one $9,000 limit, but each spouse who is 55+ needs their own HSA to use their own $1,000 catch-up.
- Raise your payroll election in December so the new limit is spread across all of 2027 rather than crammed into the last quarter.
- Update trigger for this page: the IRS revenue procedure setting the 2028 HSA and HDHP amounts, normally issued in May 2027.
Related tools & guides
Frequently asked questions
- What are the 2027 HSA contribution limits?
- $4,500 for self-only coverage and $9,000 for family coverage, per Rev. Proc. 2026-24. The age-55 catch-up stays at $1,000 because it is fixed by statute and not indexed. These are official IRS figures, not projections.
- What HDHP deductible qualifies in 2027?
- At least $1,750 for self-only coverage and $3,500 for family coverage, with out-of-pocket maximums capped at $8,700 self-only and $17,400 family. A plan outside those bounds is not an HDHP, unless it is a bronze or catastrophic plan available as individual coverage through an Exchange (including the identical plan bought off-Exchange), which counts as an HDHP from 2026 regardless of these amounts (Notice 2026-5). Contributions made while covered only by a non-HDHP are not eligible.
- Why doesn't the age-55 catch-up go up?
- IRC §223(b)(3) fixes it at $1,000 with no inflation indexing. It has been $1,000 since 2009 and will stay there until Congress changes the statute. Spouses each need their own HSA to each use the catch-up.
- Can I still contribute to my 2026 HSA?
- Yes, until the April filing deadline for the 2026 tax year, as long as you designate the contribution for 2026 with your custodian. Use the room checker below to see what is left.
Sources & References
Primary references used for this content
2027 inflation-adjusted amounts for HSAs and HDHPs
May 29, 2026 revenue procedure — every 2027 figure on this page comes from it
View on irs.gov
Health savings accounts
Statutory definitions, the fixed $1,000 age-55 catch-up, and HDHP requirements
View on law.cornell.edu
Health Savings Accounts and Other Tax-Favored Health Plans
Pro-ration, the last-month rule, and the 13-month testing period
View on irs.gov
✓3 primary sources; links re-checked on a weekly rotation by the source watcher
Disclaimer: This calculator provides estimates for educational purposes only. Not tax, legal, or financial advice. Results may vary based on your specific circumstances. Consult a qualified CPA or tax professional for personalized guidance.