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IRS raises HSA limits to $4,500 self-only and $9,000 family for 2027

The IRS set 2027 HSA limits at $4,500 for self-only coverage and $9,000 for family coverage, up from $4,400 and $8,750, plus new plan deductible minimums.

By the TaxWren team · Published · 2 min read

What changed

  • You can contribute $4,500 to a health savings account in 2027 with self-only coverage and $9,000 with family coverage, up from $4,400 and $8,750 in 2026. The IRS set the amounts in Rev. Proc. 2026-24, published on June 15, 2026.
  • A plan counts as a high deductible health plan in 2027 if its deductible is at least $1,750 ($3,500 family) and out-of-pocket costs are capped at $8,700 ($17,400 family).
  • The extra $1,000 for savers aged 55 or older is set by law and does not change.
On this page
  1. The 2027 numbers next to 2026
  2. What the higher limit is worth
  3. Direct primary care and other details

You can put $4,500 into a health savings account in 2027 if your high deductible health plan covers only you, and $9,000 if it covers your family. That is $100 and $250 more than in 2026. The IRS set the amounts in Rev. Proc. 2026-24, published in the Internal Revenue Bulletin on June 15, 2026, and they apply to contributions for calendar year 2027.

The 2027 numbers next to 2026

HSA and high deductible health plan amounts, 2026 and 2027
20262027
HSA limit, self-only coverage$4,400$4,500
HSA limit, family coverage$8,750$9,000
Catch-up, age 55 or older$1,000$1,000
Minimum deductible, self-only$1,700$1,750
Minimum deductible, family$3,400$3,500
Out-of-pocket maximum, self-only$8,500$8,700
Out-of-pocket maximum, family$17,000$17,400

2027: Rev. Proc. 2026-24. 2026: our HSA limits guide and its IRS sources. The catch-up is set by law and not adjusted for inflation.

The limits cover everything that goes into the account for the year, including what your employer adds. The plan rules move too: to stay eligible, your plan's deductible has to be at least $1,750 for self-only coverage or $3,500 for family coverage. A plan with a lower deductible in 2027 does not qualify, even if it qualified in 2026.

What the higher limit is worth

Money put in through payroll skips federal income tax and Social Security and Medicare tax. For a single earner married filing jointly in Texas with a $90,000 salary, contributing the full $9,000 family limit through payroll keeps about $1,769 in tax in the family's pocket, around 20 cents per dollar saved. At the 2026 limit it was about $1,719, so the increase is worth roughly $49 a year at that income.

If you contribute on your own instead of through payroll, you deduct the contribution on your return and save income tax only, not Social Security and Medicare tax. The income tax calculator shows your federal bracket.

Direct primary care and other details

Since 2026, a direct primary care arrangement does not stop you from contributing as long as its monthly fees stay at or below a cap. For 2027 the cap is $150 a month, or $300 if the arrangement covers more than one person. The same revenue procedure sets the 2027 limit for excepted benefit health reimbursement arrangements, which some employers offer alongside other coverage, at $2,250.

Who can contribute and how the family limit is shared between spouses is explained in our guide to HSA contribution limits, which switches to the 2027 figures with the new tax year.

Sources

  1. IRS: Rev. Proc. 2026-24: 2027 inflation adjusted amounts for HSAs (official)
  2. IRS: Internal Revenue Bulletin 2026-25 (official)

Figures come from the official documents listed above. See our methodology and editorial policy. This article is general information, not tax advice.

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Frequently asked questions

What is the HSA contribution limit for 2027?

$4,500 if your high deductible health plan covers only you, and $9,000 if it covers you and at least one other person. Contributions from your employer count toward the same limit.

What is the HSA catch-up contribution for 2027?

$1,000, the same as in 2026. It is fixed by law rather than adjusted for inflation, and you can add it if you are 55 or older by the end of the year.

What counts as a high deductible health plan in 2027?

A plan with an annual deductible of at least $1,750 for self-only coverage or $3,500 for family coverage, and out-of-pocket costs (deductibles, co-payments and similar, not premiums) of no more than $8,700 or $17,400.

Can I keep an HSA if I pay for direct primary care?

Yes, if the monthly fees for all your direct primary care arrangements are no more than $150, or $300 if an arrangement covers more than one person. Above that, the arrangement counts as other health coverage. The 2027 amounts are the same as when the rule took effect.

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