IRS Announces 2027 HSA Limits
Maximize Your HSA Contributions in 2027
The contribution limits for Health Savings Accounts (HSAs) are set to increase in 2027.
The IRS has declared that the new contribution cap for individuals will be $4,500, while the limit for family contributions will reach $9,000. These represent hikes of $100 for individual limits and $250 for family limits compared to the 2026 figures. Additionally, the minimum deductibles and the maximum out-of-pocket expenses for high-deductible health plans (HDHPs) will see an increase in 2027.
|
HSA |
2026 |
2027 |
|---|---|---|
|
Individual contribution limit |
$4,400 |
$4,500 |
|
Family contribution limit |
$8,750 |
$9,000 |
|
HDHP Individual coverage |
2026 |
2027 |
|---|---|---|
|
Minimum deductible |
$1,700 |
$1,750 |
|
Max out-of-pocket limit |
$8,500 |
$8,700 |
|
HDHP Family coverage |
2026 |
2027 |
|---|---|---|
|
Miniumum deductible |
$3,400 |
$3,500 |
|
Max out-of-pocket limit |
$17,000 |
$17,400 |
HSA Reminders
- HSA participants can change their contributions anytime during the year.
- HSA participants can use funds to pay for eligible expenses for themselves, their spouse and eligible dependents claimed on their tax return.
- HSA participants aged 55 and older can contribute an additional $1,000 per year.
If you have any questions, please contact First Financial Administrators, Inc., at 800-523-8422.