The IRS has released the 2027 inflation-adjusted limits for Health Savings Accounts (HSAs) and the high-deductible health plans (HDHPs) that go with them, in Revenue Procedure 2026-24. The increases are modest, but if you offer an HSA-qualified plan, a few numbers in your payroll system, enrollment materials, and plan communications will need to be updated before the 2027 plan year.
What is changing for 2027
| Limit | 2026 | 2027 |
|---|---|---|
| HSA contribution, self-only | $4,400 | $4,500 |
| HSA contribution, family | $8,750 | $9,000 |
| Catch-up (age 55 and older) | $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 maximum, self-only | $8,500 | $8,700 |
| HDHP out-of-pocket maximum, family | $17,000 | $17,400 |
The $1,000 catch-up contribution for individuals age 55 and older is set by statute, so it does not adjust for inflation and stays the same.
What employers should do
- Confirm your HDHP still qualifies. For 2027, the plan deductible must be at least $1,750 (self-only) or $3,500 (family), and the out-of-pocket maximum cannot exceed $8,700 (self-only) or $17,400 (family). If your plan design sits near these thresholds, check it against the new numbers.
- Update your contribution limits. Adjust the maximums in your payroll and benefits systems so employees are not capped at the 2026 amounts.
- Refresh your materials. Update open enrollment guides and any HSA communications with the 2027 figures.
- Flag the catch-up. Remind employees who will be 55 or older in 2027 that they can add the extra $1,000.
For a full walkthrough of HSA eligibility, setup, and recordkeeping, see our Health Savings Account (HSA) page.
This is general educational information, not legal or tax advice. Confirm how these limits apply to your specific plan with your broker, carrier, or qualified advisor.