2027 HSA Contribution Limits: Here's What the IRS Announced

The 2027 HSA contribution limits increased to $4,500 for self-only coverage and $9,000 for family coverage, giving eligible savers additional tax-advantaged space for healthcare and retirement planning.

If you're still focused on maxing out your 2026 HSA — good, keep going. But if you're a planner, the IRS has already released the inflation-adjusted contribution limits for 2027 via Revenue Procedure 2026-24. Here's what the numbers look like, so you're ready when 2027 arrives.

2027 HSA Contribution Limits

*Your contributions and any employer contributions count toward these limits combined.

HDHP Requirements for 2027

To contribute to an HSA, you need to be enrolled in a qualifying high-deductible health plan. Here are the amounts for 2027:

HDHP amounts are one of several requirements for contributing to an HSA. You must also have no disqualifying secondary coverage, not be enrolled in Medicare, and not be claimed as a dependent on someone else's return. See our guide for more full details.

Why the Contribution Increase Matters — and How to Take Advantage of It

The IRS adjusts HSA contribution limits for inflation each year, so the numbers above will likely increase in future years. Each increase is a chance to shelter more income from taxes — every dollar you contribute reduces your taxable income for that year. The higher the limit, the more you can put away pre-tax.

Once the money is in your account, you have two options — use it for qualified medical expenses tax-free, or invest it for long-term growth. Either way, every dollar goes in pre-tax.

Most people use their HSA for current medical expenses, and that works. But if you want to maximize your account over time, investing your unused HSA dollars is worth considering.

Here's a striking number: HSAs held nearly $174 billion across 41.7 million accounts at the end of 2025 — but only about 10% of those accounts had any invested dollars. That means 9 out of 10 HSA holders are keeping their money in cash. (Source: Devenir HSA Survey)

There is nothing wrong with that. But for those who want to get more out of their HSA over time, investing unused dollars allows them to grow tax-free — and that growth compounds on top of the pre-tax contribution you already received.

Use our HSA Investment Calculator and HSA Tax Savings Calculator to see what your HSA could be worth over time.

Frequently Asked Questions

What are the HSA contribution limits for 2027?

For 2027, the IRS set the HSA contribution limit at $4,500 for self-only coverage and $9,000 for family coverage. The catch-up contribution for those 55 and older remains $1,000. The annual limit includes both your contributions and any employer contributions made on your behalf.

Do employer contributions count toward the HSA limit?

Yes. The annual HSA contribution limit includes both employee and employer contributions combined.

When did the IRS announce 2027 HSA limits?

The IRS released the 2027 HSA contribution limits in May 2026 via Revenue Procedure 2026-24.

What is the HDHP deductible minimum for 2027?

To qualify for an HSA in 2027, your high-deductible health plan must have a minimum annual deductible of $1,750 for self-only coverage or $3,500 for family coverage.

How long do I have to contribute to my HSA for 2027?

HSA contributions for the 2027 tax year can generally be made until the federal tax filing deadline in April 2028.

This post will be updated as 2027 approaches. Bookmark it and check back.

To smarter savings, The Saving Wiser Team

Sources

• IRS Revenue Procedure 2026-24 — 2027 HSA contribution limits and HDHP inflation adjustments

• IRS Publication 969 — HSA rules, contribution deadlines, triple tax advantage

• IRC §223(c)(1)(E) — Direct primary care service arrangement eligibility

• Devenir / American Bankers Association HSA Council, 2025 HSA Survey

This content is for informational purposes only and does not constitute tax, legal, financial, or medical advice. We make every effort to verify the accuracy of the information provided; however, HSA eligibility rules and IRS guidelines can and do change. For questions about HSA eligibility, refer to IRS Publication 969 directly and the applicable IRS instructions for Form 8889.