Updated: May 30, 2026

## The 2027 HSA limits at a glance

The IRS set the **2027 HSA contribution limit at $4,500 for self-only coverage and $9,000 for family coverage**, up from $4,400 and $8,750 in 2026. The new limits, published in [IRS Revenue Procedure 2026-24](https://www.irs.gov/pub/irs-drop/rp-26-24.pdf), take effect January 1, 2027. If you’re 55 or older, you can add a **$1,000 catch-up contribution** on top: that’s $4,500 + $1,000 = **$5,500** (self-only) or $9,000 + $1,000 = **$10,000** (family) for 2027.

### **2027 HSA and HDHP limits at a glance**

|     |     |     |
| --- | --- | --- |
| **Limit** | **2026** | **2027** |
| HSA contribution (self-only) | $4,400 | **$4,500** |
| HSA 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** |

Sources: [IRS Rev. Proc. 2026-24](https://www.irs.gov/pub/irs-drop/rp-26-24.pdf) (2027) and [Rev. Proc. 2025-19](https://www.irs.gov/pub/irs-drop/rp-25-19.pdf) (2026).

### **2027 HDHP limits (deductible and out-of-pocket max)**

To contribute to an HSA you need a qualifying high-deductible health plan. For 2027, an HDHP must have a deductible of **at least $1,750** (self-only) or **$3,500** (family), and out-of-pocket costs **no higher than $8,700** (self-only) or **$17,400** (family), per Rev. Proc. 2026-24.

### **What's new for 2027**

Beyond the inflation bump, **under the One Big Beautiful Bill Act**, a _direct primary care service arrangement_ no longer disqualifies someone from contributing to an HSA, provided the fees stay at or under **$150/month** for one person ( **$300/month** for more than one), per [Rev. Proc. 2026-24](https://www.irs.gov/pub/irs-drop/rp-26-24.pdf). It's a meaningful expansion of who can keep an HSA.

### **A quick refresher on the HSA triple tax advantage**

HSAs are one of the few accounts with a triple tax advantage: contributions go in pre-tax, the money grows tax-free, and withdrawals for [qualified medical expenses](/content/blog/fsa-eligible-items-list/index.html) come out tax-free. (Withdrawals for non-qualified expenses are taxed, and penalized before age 65.)

**Hot tip:** A higher limit only helps if you actually put the dollars to use. Flex makes your HSA/FSA card work right at checkout on thousands of HSA/FSA-eligible products and for items that need a **Letter of Medical Necessity**, Flex connects you with a licensed provider. No reimbursement paperwork either way.

_This article is general information, not tax advice. Your situation may differ, check with a tax professional._

## Frequently asked questions

### What is the 2027 HSA contribution limit?

### How much can I contribute to my HSA in 2027 if I'm 55 or older?

### Did HSA contribution limits go up for 2027?

### What are the 2027 HDHP limits?

### What's the deadline to make 2027 HSA contributions?

### When do the 2027 HSA limits take effect?