The 2027 HSA limits at a glance
The IRS set the 2027 HSA contribution limit at $4,500 for self-only coverage and $9,000 for family coverage, up from $4,400 and $8,750 in 2026. The new limits, published in IRS Revenue Procedure 2026-24, take effect January 1, 2027. If you’re 55 or older, you can add a $1,000 catch-up contribution on top: that’s $4,500 + $1,000 = $5,500 (self-only) or $9,000 + $1,000 = $10,000 (family) for 2027.
2027 HSA and HDHP limits at a glance
Limit | 2026 | 2027 |
HSA contribution (self-only) | $4,400 | $4,500 |
HSA contribution (family) | $8,750 | $9,000 |
Catch-up (age 55+) | $1,000 | $1,000 |
HDHP minimum deductible (self-only) | $1,700 | $1,750 |
HDHP minimum deductible (family) | $3,400 | $3,500 |
HDHP out-of-pocket max (self-only) | $8,500 | $8,700 |
HDHP out-of-pocket max (family) | $17,000 | $17,400 |
Sources: IRS Rev. Proc. 2026-24 (2027) and Rev. Proc. 2025-19 (2026).
2027 HDHP limits (deductible and out-of-pocket max)
To contribute to an HSA you need a qualifying high-deductible health plan. For 2027, an HDHP must have a deductible of at least $1,750 (self-only) or $3,500 (family), and out-of-pocket costs no higher than $8,700 (self-only) or $17,400 (family), per Rev. Proc. 2026-24.
What's new for 2027
Beyond the inflation bump, under the One Big Beautiful Bill Act, a direct primary care service arrangement no longer disqualifies someone from contributing to an HSA, provided the fees stay at or under $150/month for one person ($300/month for more than one), per Rev. Proc. 2026-24. It's a meaningful expansion of who can keep an HSA.
A quick refresher on the HSA triple tax advantage
HSAs are one of the few accounts with a triple tax advantage: contributions go in pre-tax, the money grows tax-free, and withdrawals for qualified medical expenses come out tax-free. (Withdrawals for non-qualified expenses are taxed, and penalized before age 65.)
Hot tip: A higher limit only helps if you actually put the dollars to use. Flex makes your HSA/FSA card work right at checkout on thousands of HSA/FSA-eligible products and for items that need a Letter of Medical Necessity, Flex connects you with a licensed provider. No reimbursement paperwork either way.
This article is general information, not tax advice. Your situation may differ, check with a tax professional.
