2027 HSA Contribution Limits Announced

Key takeaways: 

• In 2027, HSA contribution limits will increase for self-only and family HDHPs to $4,500 and $900, respectively.  
• People in Bronze or Catastrophic ACA Marketplace plans can contribute to HSAs as of January 1, 2026.  

HSA contribution limits for 2027 were announced on May 29, 2026. The IRS released Revenue Procedure 2026-24, which provides limits related to high-deductible health plans (HDHPs) and health savings accounts (HSAs) for calendar year 2027. The IRS adjusts these limits each year for inflation.  

Here’s what you should know about the new limits and how they can fit into your healthcare planning for next year. 

HSA Contribution Limits Slightly Increase 

The 2027 HSA contribution limits are below. Note that you must be enrolled in an HSA-qualified HDHP (or covered under a Bronze or Catastrophic Plan) to contribute to an HSA. 

Self-only enrollment in an HDHP  

• Maximum annual HSA contribution: $4,500 (up from $4,400 in 2026) 
• Minimum deductible for the HDHP to be HSA qualified: $1,750 (up from $1,700 in 2026) 
• Maximum HDHP out-of-pocket limit: $8,700 (up from $8,500 in 2026) 

Family enrollment in an HDHP  

• Maximum annual HSA contribution: $9,000 (up from $8,750 in 2026) 
• Minimum deductible for the HDHP to be HSA qualified: $3,500 (up from $3,400 in 2026) 
• Maximum HDHP out-of-pocket limit: $17,400 (up from $17,000 in 2026) 

Pro-tip: HSA account holders age 55 and older can contribute an additional $1,000 on top of the maximum as a catch-up contribution. 

Some ACA Plan Holders Can Now Contribute to HSAs 

In addition to the changes above, people enrolled in Bronze or Catastrophic plans through the Affordable Care Act (ACA) Marketplace are eligible to contribute to an HSA as of January 1, 2026. Their plan doesn’t need to meet the definition of an HDHP.  

This reflects updated rules that expand HSA compatibility and allow eligible individuals to take advantage of the 2027 HSA contribution limits while using pre-tax funds for qualified medical expenses. 

Additionally, employees enrolled in direct primary care arrangements (DPCSAs) may keep contributing to their HSA in 2027. The IRS has confirmed that as long as the total monthly DPCSA fees stay at or below the limits listed here, employees’ HSA eligibility isn’t affected:

• $150/month for individual coverage 
• $300/month for family coverage 

What Do the New Limits Mean for Me? 

Maxing out your HSA contribution can make a big difference as you invest in your health and your retirement. The more dollars you set aside in your account, the more opportunity you have to earn a greater return on your investment—and afford both planned and unplanned eligible medical expenses with the help of pre-tax dollars. 

Contribute as much as 2027 limits (and your budget) allow you to and consider all the healthcare expenses and essentials you regularly need, like over-the-counter medications or period care products.  

If you live with a chronic condition such as diabetes, your HSA has you covered there, too. Using your HSA to purchase diagnostic products like blood glucose monitors and lancet refills can make managing your health needs much more affordable. 

Remember, your HSA is a great long-term savings tool. But it can also help in the short term to offset the cost of your health needs. Consider your short-term healthcare purchases a long-term investment in a healthy retirement. 

HSA contribution limits, by year and HDHP