IRS Announces 2027 HSA Contribution Limits
The Internal Revenue Service (IRS) has released the inflation-adjusted Health Savings Account (HSA) and High Deductible Health Plan (HDHP) limits for calendar year 2027 under Revenue Procedure 2026-24.
The HSA contribution limits will increase for both self-only and family coverage in 2027. The HSA catch-up contribution limit for individuals age 55 and older remains unchanged at $1,000.
Coverage Type | 2026 HSA Limit | 2027 HSA Limit | Increase |
Self-Only Coverage | $4,400 | $4,500 | $100 |
Family Coverage | $8,750 | $9,000 | $250 |
Age 55+ Catch-Up Contribution | $1,000 | $1,000 | No Change |
In addition, the minimum deductible required for an HSA-qualified HDHP will increase to $1,750 for self-only coverage and $3,500 for family coverage in 2027. The maximum out-of-pocket limits will increase to $8,700 for self-only coverage and $17,400 for family coverage.
Most employers will not need to take any immediate action. Benefits brokers and carriers typically incorporate these annual IRS adjustments into their renewal and open enrollment processes. Employers sponsoring HSA-compatible plans will see the updated plan designs reflect in the 2027 enrollment cycle.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><g d="M 0 0 L 24 0 L 24 24 L 0 24 Z M 24 12 C 24 5.373 18.627 0 12 0 C 5.373 0 0 5.373 0 12 C 0 17.628 3.875 22.35 9.101 23.647 L 9.101 15.667 L 6.627 15.667 L 6.627 12 L 9.1 12 L 9.1 10.42 C 9.1 6.336 10.949 4.442 14.959 4.442 C 15.719 4.442 17.031 4.592 17.567 4.74 L 17.567 8.064 C 17.106 8.029 16.643 8.014 16.181 8.02 C 14.214 8.02 13.453 8.765 13.453 10.703 L 13.453 12 L 17.373 12 L 16.7 15.667 L 13.453 15.667 L 13.453 23.912 C 19.396 23.195 24 18.135 24 12 Z M 16.699 15.667 L 17.372 12 L 13.452 12 L 13.452 10.703 C 13.452 8.765 14.212 8.02 16.18 8.02 C 16.791 8.02 17.283 8.035 17.567 8.064 L 17.567 4.74 C 17.03 4.591 15.718 4.442 14.957 4.442 C 10.947 4.442 9.099 6.335 9.099 10.42 L 9.099 12 L 6.625 12 L 6.625 15.667 L 9.099 15.667 L 9.099 23.647 C 10.522 24 11.997 24.09 13.452 23.912 L 13.452 15.667 L 16.698 15.667 Z" fill="transparent" height="24.00076625186135px" id="mo03AXhL4" width="24px"><path d="M 0 0 L 24 0 L 24 24 L 0 24 Z" fill="transparent" height="24px" id="X4NGqwN9e" width="24px"/><path d="M 24 12 C 24 5.373 18.627 0 12 0 C 5.373 0 0 5.373 0 12 C 0 17.628 3.875 22.35 9.101 23.647 L 9.101 15.667 L 6.627 15.667 L 6.627 12 L 9.1 12 L 9.1 10.42 C 9.1 6.336 10.949 4.442 14.959 4.442 C 15.719 4.442 17.031 4.592 17.567 4.74 L 17.567 8.064 C 17.106 8.029 16.643 8.014 16.181 8.02 C 14.214 8.02 13.453 8.765 13.453 10.703 L 13.453 12 L 17.373 12 L 16.7 15.667 L 13.453 15.667 L 13.453 23.912 C 19.396 23.195 24 18.135 24 12 Z" fill="rgb(8, 102, 255)" height="23.912px" id="wp0kawXKP" width="24px"/><path d="M 10.074 11.225 L 10.747 7.558 L 6.827 7.558 L 6.827 6.261 C 6.827 4.323 7.587 3.578 9.555 3.578 C 10.166 3.578 10.658 3.593 10.942 3.622 L 10.942 0.298 C 10.405 0.149 9.093 0 8.332 0 C 4.322 0 2.474 1.893 2.474 5.978 L 2.474 7.558 L 0 7.558 L 0 11.225 L 2.474 11.225 L 2.474 19.205 C 3.897 19.558 5.372 19.648 6.827 19.47 L 6.827 11.225 L 10.073 11.225 Z" fill="rgb(255, 255, 255)" height="19.55876633959939px" id="rQE9cOqAi" transform="translate(6.625 4.442)" width="10.942px"/></g></svg>)
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><g d="M 0 0 L 22 0 L 22 22 L 0 22 Z M 20.376 0 L 1.624 0 C 0.727 0 0 0.727 0 1.624 L 0 20.376 C 0 21.273 0.727 22 1.624 22 L 20.376 22 C 21.273 22 22 21.273 22 20.376 L 22 1.624 C 22 0.727 21.273 0 20.376 0 Z M 3.25 18.741 L 6.558 18.741 L 6.558 8.235 L 3.25 8.235 Z M 3.85 6.453 C 4.16 6.664 4.527 6.777 4.901 6.779 C 5.409 6.789 5.899 6.593 6.259 6.235 C 6.619 5.877 6.818 5.389 6.811 4.881 C 6.812 3.976 6.174 3.195 5.286 3.016 C 4.399 2.838 3.508 3.31 3.159 4.146 C 2.81 4.981 3.099 5.947 3.85 6.453 Z M 15.443 18.75 L 18.75 18.75 L 18.75 12.251 C 18.75 9.043 16.757 7.947 14.911 7.947 C 13.205 7.947 12.086 9.052 11.767 9.698 L 11.724 9.698 L 11.724 8.243 L 8.543 8.243 L 8.543 18.75 L 11.852 18.75 L 11.852 13.053 C 11.852 11.535 12.814 10.796 13.795 10.796 C 14.724 10.796 15.443 11.318 15.443 13.011 Z" fill="transparent" height="22px" id="cSefUkkiv" transform="translate(1 1)" width="22px"><path d="M 0 0 L 22 0 L 22 22 L 0 22 Z" fill="transparent" height="22px" id="g77oKxIqR" width="22px"/><path d="M 20.376 0 L 1.624 0 C 0.727 0 0 0.727 0 1.624 L 0 20.376 C 0 21.273 0.727 22 1.624 22 L 20.376 22 C 21.273 22 22 21.273 22 20.376 L 22 1.624 C 22 0.727 21.273 0 20.376 0 Z" fill="rgb(10, 102, 194)" height="22px" id="xNWzsGQxr" width="22px"/><path d="M 0.238 15.762 L 3.546 15.762 L 3.546 5.257 L 0.238 5.257 Z M 0.838 3.475 C 1.148 3.685 1.515 3.798 1.889 3.8 C 2.397 3.81 2.887 3.614 3.247 3.256 C 3.607 2.898 3.806 2.41 3.799 1.902 C 3.8 0.997 3.162 0.216 2.274 0.038 C 1.387 -0.141 0.496 0.332 0.147 1.167 C -0.202 2.003 0.087 2.968 0.838 3.475 Z M 12.431 15.772 L 15.738 15.772 L 15.738 9.272 C 15.738 6.064 13.745 4.969 11.899 4.969 C 10.193 4.969 9.074 6.073 8.755 6.72 L 8.712 6.72 L 8.712 5.264 L 5.531 5.264 L 5.531 15.772 L 8.84 15.772 L 8.84 10.075 C 8.84 8.557 9.802 7.817 10.783 7.817 C 11.712 7.817 12.431 8.339 12.431 10.032 Z" fill="rgb(255, 255, 255)" height="15.771623512903847px" id="cdNQ6QfFj" transform="translate(3.012 2.979)" width="15.738439668019623px"/></g></svg>)
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M 17.326 0 L 20.7 0 L 13.33 8.424 L 22 19.886 L 15.211 19.886 L 9.894 12.934 L 3.81 19.886 L 0.434 19.886 L 8.317 10.876 L 0 0 L 6.961 0 L 11.767 6.355 L 17.327 0 Z M 16.142 17.867 L 18.012 17.867 L 5.945 1.913 L 3.94 1.913 L 16.143 17.867 Z" fill="rgb(0, 0, 0)" height="19.886px" id="aCmdPBwVg" transform="translate(1 2)" width="22px"/></svg>)