IRS Releases 2027 HSA Contribution Limits

It’s not often that we receive good news from the IRS, but here’s something designed to help you six months from now: The IRS has already announced the 2027 HSA contribution limits in IRS Revenue Procedure 2026-24.

As a reminder, an HSA (Health Savings Account) is a pre-tax medical savings account for employees enrolled in a high-deductible health plan (HDHP), and it’s intended to provide financial support for qualified out-of-pocket medical, dental, and vision expenses.

2027

Change From 2026

Annual HSA Contribution Limit

Self-Only: $4,500

Family: $9,000

Self-Only: +$100
Family: +$250

HSA Catch-Up Contributions

(For Employees Age 55 or Older)

$1,000

No change

Minimum Annual HDHP

Deductible

Self-Only: $1,750

Family: $3,500

Self-Only: +$50

Family: +$100

Maximum Out-of-Pocket Expenses for HDHP

Self-Only: $8,700

Family: $17,400

Self-Only: +$200

Family: +$400

These numbers are critical to know as you explore your plan options—especially as you aim to control the average monthly cost of employee benefits.

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