The IRS has set the 2027 HSA contribution limits at $4,500 for self-only coverage and $9,000 for family coverage. If you are 55 or older, you can add a $1,000 catch-up, for up to $5,500 or $10,000. The limits come from IRS Revenue Procedure 2026-24 and apply from January 1, 2027.
HSA limits: 2026 vs 2027
| Limit | 2026 | 2027 |
|---|---|---|
| Contribution, self-only | $4,400 | $4,500 |
| Contribution, family | $8,750 | $9,000 |
| Catch-up, age 55+ | $1,000 | $1,000 |
| HDHP minimum deductible, self-only | $1,700 | $1,750 |
| HDHP minimum deductible, family | $3,400 | $3,500 |
| HDHP out-of-pocket max, self-only | $8,500 | $8,700 |
| HDHP out-of-pocket max, family | $17,000 | $17,400 |
Who can contribute
You need to be covered by a high-deductible health plan (HDHP) that meets the deductible and out-of-pocket rules above, have no other disqualifying health coverage, not be enrolled in Medicare and not be claimed as someone else’s dependent. Under the 2025 tax law, a direct primary care arrangement costing up to $150 a month for one person ($300 for a family) no longer stops you from contributing.
Why the HSA is so powerful
- Tax-deductible going in, or pre-tax through payroll, which also skips Social Security and Medicare tax.
- Tax-free growth if you invest the balance.
- Tax-free withdrawals for qualified medical costs, at any age.
After 65, you can take money out for anything and pay only income tax, like a traditional IRA. That makes a maxed-out, invested HSA a strong retirement tool. Compare it with an FSA in our HSA vs FSA guide.
Deadline and tips
- You can make 2027 contributions until the tax filing deadline in April 2028.
- Employer contributions count toward your limit.
- Spouses who are both 55+ each need their own HSA to claim a catch-up.
- Keep receipts. You can reimburse yourself years later for medical bills you paid out of pocket.
- Invest the balance you will not need soon in low-cost index funds.
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Frequently asked questions
What happens if I contribute too much?
Excess contributions face a 6% tax each year until you remove them, so withdraw the excess and its earnings before your filing deadline.
Does my HSA roll over?
Yes. Unlike most FSAs, HSA money never expires and stays yours if you change jobs.
When are the 2028 limits announced?
The IRS usually publishes next year’s HSA limits in May or June.
Source: IRS Revenue Procedure 2026-24. This article is general information, not financial or tax advice.
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