The IRS has set the 2027 health savings account (HSA) contribution limit at $4,500 for self-only coverage and $9,000 for family coverage, up $100 and $250 from 2026. If you are 55 or older, you can add a $1,000 catch-up contribution. To contribute, you need a high-deductible health plan (HDHP) with a deductible of at least $1,750 for self-only coverage or $3,500 for family coverage in 2027.
Key facts
- These are the official figures from IRS Revenue Procedure 2026-24, published in May 2026.
- The limit includes both your contributions and your employer’s.
- The $1,000 catch-up is set by law and does not change with inflation. Married couples who are both 55+ need separate HSAs to each make one.
- You can contribute for 2027 from January 1, 2027, until the tax filing deadline in April 2028.
- Since 2026, bronze and catastrophic health plans count as HSA-compatible, which opens HSAs to more people who buy their own coverage.
2027 HSA contribution limits
| Coverage | Under 55 | 55 or older |
|---|---|---|
| Self-only coverage | $4,500 | $5,500 |
| Family coverage | $9,000 | $10,000 |
2026 vs. 2027: what changed
| Limit | 2026 | 2027 | Change |
|---|---|---|---|
| HSA limit, self-only | $4,400 | $4,500 | +$100 |
| HSA limit, family | $8,750 | $9,000 | +$250 |
| Catch-up contribution (55+) | $1,000 | $1,000 | No change |
| HDHP minimum deductible, self-only | $1,700 | $1,750 | +$50 |
| HDHP minimum deductible, family | $3,400 | $3,500 | +$100 |
| HDHP out-of-pocket maximum, self-only | $8,500 | $8,700 | +$200 |
| HDHP out-of-pocket maximum, family | $17,000 | $17,400 | +$400 |
| Excepted benefit HRA (plan year) | $2,200 | $2,250 | +$50 |
The monthly fee limit for direct primary care arrangements stays at $150 per person ($300 if the arrangement covers more than one person) in 2027. For the current year’s figures, see the 2026 HSA limits.
2027 high-deductible health plan (HDHP) requirements
To be HSA-eligible in 2027, your health plan must meet these minimums and maximums:
| HDHP requirement | Self-only | Family |
|---|---|---|
| Minimum annual deductible | $1,750 | $3,500 |
| Maximum out-of-pocket | $8,700 | $17,400 |
The out-of-pocket maximum includes deductibles, copays and coinsurance, but not premiums. If you are choosing a plan for 2027 during open enrollment, check that its deductible meets these minimums before you count on contributing to an HSA.
How much to contribute per paycheck in 2027
To reach the 2027 limit exactly, divide it by the number of paychecks in the year. Amounts are rounded down to the cent so the year’s total never goes over the limit. Subtract your employer’s contribution first.
| Pay schedule | Self-only | Family | Self-only, 55+ | Family, 55+ |
|---|---|---|---|---|
| Weekly (52) | $86.53 | $173.07 | $105.76 | $192.30 |
| Every two weeks (26) | $173.07 | $346.15 | $211.53 | $384.61 |
| Twice a month (24) | $187.50 | $375.00 | $229.16 | $416.66 |
| Monthly (12) | $375.00 | $750.00 | $458.33 | $833.33 |
Who can contribute: rules that changed recently
- Bronze and catastrophic plans: since January 1, 2026, they count as HSA-compatible even when they don’t meet the usual HDHP rules.
- Direct primary care: since 2026, paying a monthly fee to a direct primary care practice no longer blocks HSA contributions if the fees stay within the limits above, and you can pay those fees from your HSA tax-free.
- Telehealth: an HDHP can cover telehealth before you meet the deductible without costing you HSA eligibility. This rule is now permanent.
How much an HSA can save you
Contributions made through payroll skip federal income tax and Social Security and Medicare taxes. A family in the 22% federal bracket that contributes the full $9,000 saves roughly $2,669 in federal taxes for 2027, before any state tax savings. See how pre-tax deductions change your take-home pay with the paycheck calculator.
Frequently asked questions
What is the HSA contribution limit for 2027?
$4,500 for self-only HDHP coverage and $9,000 for family coverage. If you are 55 or older by the end of 2027, you can contribute $1,000 more: $5,500 or $10,000.
How much did the HSA limit go up for 2027?
The self-only limit rose $100, from $4,400 to $4,500, and the family limit rose $250, from $8,750 to $9,000. The limits are adjusted for inflation each year; the catch-up amount stays at $1,000.
How much should I contribute per paycheck to max out my HSA in 2027?
If you are paid every two weeks, $173.07 per paycheck reaches the $4,500 self-only limit and $346.15 reaches the $9,000 family limit. Subtract anything your employer contributes first, since it counts toward the same limit.
Does my employer’s HSA contribution count toward the limit?
Yes. Unlike a 401(k), employer contributions to your HSA count toward the same annual limit. If your employer puts in $1,000 and you have family coverage, you can add up to $8,000 yourself in 2027.
Can I open an HSA with a bronze plan from the marketplace?
Yes. Starting with 2026, bronze and catastrophic plans are treated as HSA-compatible even if they don’t meet the usual HDHP deductible and out-of-pocket rules, and IRS guidance says they don’t have to be bought through an Exchange. You still can’t have other disqualifying coverage, such as Medicare or a general-purpose health FSA.
What happens if I contribute more than the limit?
Excess contributions are not deductible and generally face a 6% excise tax for each year they stay in the account. You avoid the tax on the amount you take out if you withdraw the excess, plus any earnings on it, by your tax return’s due date, including extensions.
Calculators that use these figures
- Paycheck Calculator: Take-home pay per paycheck after 2026 federal, state and FICA taxes.
- Retirement Calculator: Retirement savings target, on-track check and sustainable withdrawals.