The IRS has set the 2027 Health Savings Account (HSA) limits, and they are going up — modestly. Under Revenue Procedure 2026-24, released on 29 May 2026, the contribution limit for 2027 rises to $4,500 for self-only coverage and $9,000 for family coverage. The catch-up contribution for people aged 55 and older stays at $1,000.

These numbers matter right now because open enrollment season is running. If you are choosing a health plan for 2027 or setting your payroll HSA contributions, these are the limits your employer, your plan and your benefits portal will use from 1 January 2027.

The 2027 limits vs 2026

HSA / HDHP limit20262027
HSA contribution — self-only$4,400$4,500 (+$100)
HSA contribution — family$8,750$9,000 (+$250)
Catch-up contribution (age 55+)$1,000$1,000 (unchanged)
HDHP minimum deductible — self-only$1,700$1,750
HDHP minimum deductible — family$3,400$3,500
HDHP out-of-pocket maximum — self-only$8,500$8,700
HDHP out-of-pocket maximum — family$17,000$17,400
Excepted-benefit HRA maximum$2,200$2,250

The self-only limit rises 2.3% and the family limit rises 2.9%. The $1,000 catch-up is fixed by law and does not adjust for inflation, so it stays the same every year. With the catch-up, a saver aged 55 or older can put in $5,500 self-only or $10,000 family in 2027.

What is an HSA, and who can use one

An HSA is a tax-advantaged savings account for medical expenses. You can only contribute if you are covered by a high-deductible health plan (HDHP) — a plan whose deductible is at least the minimum in the table above and whose out-of-pocket maximum is no higher than the maximum in the table.

The HSA is popular because it has a triple tax advantage: contributions go in tax-free (or tax-deductible), the money grows tax-free, and withdrawals for qualified medical expenses are tax-free. Unlike a flexible spending account, the money rolls over year after year — there is no “use it or lose it” rule. After age 65, you can withdraw the money for any purpose, paying only ordinary income tax, like a retirement account.

Employer contributions count toward the same limit, so if your employer puts in $1,000, you can only add $3,500 more under a self-only plan in 2027.

What changed under the One Big Beautiful Bill Act

The One Big Beautiful Bill Act (OBBBA) widened who can have an HSA. From 1 January 2026, bronze and catastrophic plans bought on an Exchange are treated as HSA-compatible, even though they did not always meet the old HDHP tests. The Act also created a rule for Direct Primary Care Service Arrangements (DPCSAs) — flat monthly-fee primary care plans. A DPCSA no longer disqualifies you from contributing to an HSA, as long as the monthly fees stay within the set limits: $150 a month for an arrangement covering one person, or $300 a month for family coverage. The Treasury and IRS explained these changes in Notice 2026-05.

What to do during open enrollment

  • Check whether your 2027 plan is HSA-qualified. Ask your employer or check the plan documents for the deductible and out-of-pocket maximum against the 2027 figures above.
  • Set your contribution. If you can afford it, contributing up to the limit is usually the best move, because of the triple tax break. Even a small monthly amount adds up, and the money stays yours if you change jobs or plans.
  • Remember the 2026 deadline. The 2026 limits — $4,400 self-only and $8,750 family — stay in place through 31 December 2026. If you still have room under those limits, you generally have until 15 April 2027 to make a 2026 contribution.
  • Do not over-contribute. Money above the limit can attract an excise tax, so keep track of both your own and your employer’s contributions.
  • The health FSA limit for 2027 has not been announced yet. It is $3,400 for 2026, with a $680 carryover. The IRS usually announces it in a separate revenue procedure in late October or November.

What it means for your money

The increases are small — $100 more for self-only and $250 more for family — but they add up over years, especially because HSA money grows tax-free and never expires. If you are in a high-deductible plan and in a higher tax bracket, maxing out the HSA is one of the best tax moves available. If you cannot max it out, contribute what you can: even a few hundred dollars a year builds a useful medical cushion, and the account stays with you for life.

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