2027 HSA Limits Are Announced
By Mary Ellen Schill | Employment Blog
May 29, 2026
On May 29, 2026, the IRS announced the Health Savings Account limits for 2027. With respect to contribution limits, and reflecting the inflationary environment, the limits are higher than the ones for 2026 and the required deductible and out-of-pocket maximums have increased as well. As a reminder, these inflation adjusted amounts are effective for calendar year 2027.
| HSA/HDHP Requirement | Cost-of-Living Adjustments |
| Limit on HSA Contributions – Self-only HDHP | 2026 – $4,400
2027 – $4,500 |
| Limit on HSA Contributions – Family HDHP | 2026 – $8,750
2027 – $9,000 |
| HDHP Required Deductible – Self-only HDHP | 2026 – $1,700
2027 – $1,750 |
| HDHP Required Deductible – Family HDHP | 2026 – $3,400
2027 – $3,500 |
| HDHP Out-of-pocket Maximum – Self-only HDHP | 2026 – $8,500
2027 – $8,700 |
| HDHP Out-of-pocket Maximum – Family HDHP | 2026 – $17,000
2027 – $17,400 |
| HSA Catch-up Contribution Limit | 2026 – $1,000
2027 – $1,000 |
All of the above are for calendar year 2027.
For further information, please contact Attorney Mary Ellen Schill, who prepared this article, or any of the attorneys within the Employment & Benefits group at Ruder Ware.
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