What is the HSA contribution limit for 2027?
$4,500 with self-only coverage and $9,000 with family coverage, up from $4,400 and $8,750 in 2026 (IRS Rev. Proc. 2026-24). Your contributions and your employer’s count toward the same limit.
HSA contribution limits 2027: $4,500 and $9,000
In 2027 you can put $4,500 into a health savings account with self-only coverage or $9,000 with family coverage. At 55 or older, add $1,000.
Self-only, 2027$4,500$4,400 in 2026
Family, 2027$9,000$8,750 in 2026
Catch-up at 55$1,000on top, set by law
Minimum deductible$1,750self-only; $3,500 family
How much can you still put in?
You can still contribute in 2027
$8,000- Your limit
- $9,000
- Employer money counts against it
- $1,000
HSA limits by year
| Year | Self-only | Family | Minimum deductible, self-only | Minimum deductible, family | IRS source |
|---|---|---|---|---|---|
| 2027 | $4,500 | $9,000 | $1,750 | $3,500 | Rev. Proc. 2026-24 |
| 2026 | $4,400 | $8,750 | $1,700 | $3,400 | Rev. Proc. 2025-19 |
| 2025 | $4,300 | $8,550 | $1,650 | $3,300 | Rev. Proc. 2024-25 |
| 2024 | $4,150 | $8,300 | $1,600 | $3,200 | Rev. Proc. 2023-23 |
| 2023 | $3,850 | $7,750 | $1,500 | $3,000 | Rev. Proc. 2022-24 |
| 2022 | $3,650 | $7,300 | $1,400 | $2,800 | Rev. Proc. 2021-25 |
| 2021 | $3,600 | $7,200 | $1,400 | $2,800 | Rev. Proc. 2020-32 |
The $1,000 catch-up for people 55 and older applies in every year shown. Source: IRS Rev. Proc. 2026-24 and the Revenue Procedures listed for earlier years.
Source: IRS Rev. Proc. 2026-24, data through 2027.
Cite or link to this page
Citation
insytesBI. (2027). HSA contribution limits 2027: $4,500 and $9,000. Data: IRS Rev. Proc. 2026-24, 2027. https://www.insytesbi.com/hsa-limit/Link
<a href="https://www.insytesbi.com/hsa-limit/">HSA contribution limits 2027: $4,500 and $9,000</a>Frequently asked questions
What is the HSA catch-up contribution?
$1,000 a year once you are 55 or older by the end of the year. It is set by law and not adjusted for inflation. A married couple who are both 55 or older each need their own HSA to add it.
What counts as a high deductible health plan in 2027?
A deductible of at least $1,750 for self-only coverage or $3,500 for family coverage, with out-of-pocket costs (not premiums) capped at $8,700 and $17,400.
What if I was only on a high deductible plan for part of the year?
The limit is prorated by the months you were eligible on the first day of the month. If you are eligible on December 1 you can use the full year’s limit, as long as you stay eligible through the end of the next year.
When is the deadline to contribute for a year?
The tax filing deadline the next April, without extensions. Contributions made between January 1 and that date can be counted for the year before.
Can I have an HSA and an FSA?
Only a limited-purpose FSA for dental and vision costs, or a dependent care FSA. A general health FSA makes you ineligible to contribute to an HSA.