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Official IRS numbersHSA Limits 2027: $4,500 Self-Only, $9,000 Family (Official)
By The Trends Incoming team · Published Oct 18, 2026 · Last updated Oct 18, 2026
Short answer: this one's locked in. IRS Revenue Procedure 2026-24 sets the 2027 health savings account limit at $4,500 for self-only coverage and $9,000 for family coverage. That's $100 and $250 more than 2026. If you're picking a plan in open enrollment right now, these are the real numbers.
🩺 HSA and HDHP numbers: 2026 vs 2027 (all official)
| Item | 2026 OFFICIAL IRS | 2027 OFFICIAL IRS |
|---|---|---|
| HSA contribution limit, self-only | $4,400 | $4,500 |
| HSA contribution limit, family | $8,750 | $9,000 |
| Catch-up, age 55 and older (set by law, not indexed) | $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 maximum, self-only | $8,500 | $8,700 |
| HDHP out-of-pocket maximum, family | $17,000 | $17,400 |
| Excepted benefit HRA, max newly available | $2,200 | $2,250 |
| Direct primary care arrangement fee cap (monthly) | $150 / $300 | $150 / $300 |
2027: IRS Rev. Proc. 2026-24 (published in Internal Revenue Bulletin 2026-25). 2026: IRS Rev. Proc. 2025-19.
Why it's in the news now
Open season is here. Medicare open enrollment runs through December 7, and HealthCare.gov open enrollment starts November 1, with most workplace benefits windows in between. People comparing a high-deductible plan want the 2027 HSA math, and unlike the brackets, it's already official. One heads up: once you're enrolled in Medicare, you generally can't make new HSA contributions. IRS Publication 969 has the rules.
Next: check the projected 2027 401(k) and IRA limits and where you land on the 2027 tax brackets.
Quick answers
What is the HSA limit for 2027?
Official: $4,500 for self-only coverage and $9,000 for family coverage, set by IRS Revenue Procedure 2026-24. That's up from $4,400 and $8,750 in 2026.
What is the HSA catch-up contribution for 2027?
$1,000 extra if you're 55 or older. That amount is fixed in the law and isn't indexed for inflation.
What counts as a high-deductible health plan in 2027?
For 2027, the deductible must be at least $1,750 for self-only or $3,500 for family coverage, and out-of-pocket costs (not premiums) can't exceed $8,700 self-only or $17,400 family.
Are the 2027 HSA limits official?
Yes. Unlike brackets and 401(k) limits, the IRS publishes HSA amounts in the spring. Rev. Proc. 2026-24 is on IRS.gov.
Related on Trends Incoming
- Social Security 2027: 3.6% COLA calculator and payment dates
- Medicare open enrollment 2027 (Oct 15 to Dec 7)
- HealthCare.gov open enrollment 2027 (Nov 1 to Jan 15)
- Retirement and Social Security trends
Sources
- IRS Rev. Proc. 2026-24: 2027 HSA and HDHP amounts (official)
- Internal Revenue Bulletin 2026-25 (publishes Rev. Proc. 2026-24)
- IRS Rev. Proc. 2025-19: 2026 HSA and HDHP amounts
- IRS Publication 969: Health Savings Accounts
By The Trends Incoming team · Fact-checked 2026-10-18. Dates change, so double-check with the official source.