The IRS has officially finalized the 2027 Health Savings Account limits: $4,500 for self-only coverage (up $100 from 2026) and $9,000 for family coverage (up $250 from 2026). These figures come from IRS Revenue Procedure 2026-24, released May 29, 2026 — HSA numbers are published well over a year in advance so employers have time to prepare open enrollment materials, which is why 2027’s figures are already locked in while 2027 FSA limits won’t be announced until this fall. Here’s exactly what changed, the new HDHP thresholds that go along with it, and how to plan your contribution before your next open enrollment window.
2026 vs. 2027: What Changed
| Figure | 2026 | 2027 | Change |
|---|---|---|---|
| HSA contribution limit — self-only | $4,400 | $4,500 | +$100 |
| HSA contribution limit — family | $8,750 | $9,000 | +$250 |
| HSA catch-up (age 55+) | $1,000 | $1,000 | No change (not indexed) |
| HDHP minimum deductible — self-only | $1,700 | $1,750 | +$50 |
| HDHP minimum deductible — family | $3,400 | $3,500 | +$100 |
| HDHP max out-of-pocket — self-only | $8,500 | $8,700 | +$200 |
| HDHP max out-of-pocket — family | $17,000 | $17,400 | +$400 |
| Excepted Benefit HRA (EBHRA) max | $2,200 | $2,250 | +$50 |
All of these figures are official, from IRS Revenue Procedure 2026-24. The HSA and HDHP numbers adjust for inflation each year, so a modest increase like this is typical — there’s no policy change behind it, just the annual cost-of-living formula built into the tax code.
What’s New for 2027: Direct Primary Care Compatibility
Revenue Procedure 2026-24 also introduced the first-ever guidance for Direct Primary Care Service Arrangements (DPCSAs) becoming HSA-compatible, a change enabled by the One Big Beautiful Bill Act. Starting in 2027, you can enroll in both a qualifying HDHP and a direct primary care membership — and still contribute to an HSA — as long as the DPC membership fee stays within IRS limits: $150/month for individual coverage or $300/month for coverage of more than one person. Previously, most DPC memberships were considered disqualifying “other health coverage” that would have blocked HSA eligibility entirely.
Do You Still Qualify for an HSA in 2027?
An HSA is only available if you’re enrolled in a qualifying High-Deductible Health Plan (HDHP). For 2027, that means your plan’s annual deductible must be at least $1,750 for self-only or $3,500 for family coverage, and your plan’s total out-of-pocket maximum can’t exceed $8,700 for self-only or $17,400 for family coverage. If your employer’s plan doesn’t meet both thresholds, you aren’t eligible to contribute to an HSA for that coverage period — even if your paycheck already has an HSA deduction set up from a prior year.
Turning the Limit Into a Per-Paycheck Number
The IRS limit is an annual maximum, but you elect it during open enrollment as a recurring per-paycheck deduction. To hit the max without over- or under-contributing:
Per-paycheck contribution = Annual limit ÷ Number of pay periods remaining in the plan year
Example: You want to max out your HSA at $4,500 for the year and you’re paid biweekly (26 pay periods). If your plan year starts January 1 and you enroll on time: $4,500 ÷ 26 = $173.08 per paycheck. If you’re a new hire enrolling mid-year with only 15 pay periods left: $4,500 ÷ 15 = $300.00 per paycheck — a noticeably bigger deduction from each check to reach the same annual total.
Plug your own target amount and remaining pay periods into the savings goal calculator to get the exact per-period contribution needed, then check that deduction against your full paycheck and expenses with the budget calculator before locking in an election you generally can’t change again until next year’s open enrollment.
Why an HSA Is Worth Maxing Out (If You Can)
Unlike a Flexible Spending Account, HSA funds never expire and stay with you even if you switch jobs or health plans. Contributions are pre-tax, growth inside the account is tax-free, and withdrawals for qualified medical expenses are tax-free too — a triple tax advantage no other common account offers. Because of that, many financial planners treat an HSA as a secondary retirement account: pay medical costs out of pocket when you can afford to, let the HSA balance invest and grow for years, and reimburse yourself (with receipts) whenever you need the cash later — there’s no deadline on when you have to submit a qualified expense for reimbursement.
What About the 2027 FSA Limit?
Unlike HSA figures, the IRS has not yet officially announced the 2027 Health FSA contribution limit as of this writing. FSA numbers are typically released in a separate Revenue Procedure each October or November — the 2026 FSA limit ($3,400) was announced in Revenue Procedure 2025-32 on October 9, 2025, so expect the official 2027 FSA number on a similar fall timeline. Some benefits publications have circulated an unofficial projection near $3,500 based on the same inflation formula the IRS uses, but treat that as an estimate only until the IRS publishes the actual figure.
Frequently Asked Questions
What is the 2027 HSA contribution limit? $4,500 for self-only coverage and $9,000 for family coverage, plus an additional $1,000 catch-up contribution if you’re 55 or older (the catch-up amount is fixed by statute and doesn’t adjust for inflation).
When were the 2027 HSA limits announced? May 29, 2026, via IRS Revenue Procedure 2026-24 — HSA and HDHP figures are published far in advance (roughly a year and a half ahead of the plan year) so insurers and employers have time to redesign plans before open enrollment.
What HDHP deductible do I need to qualify for an HSA in 2027? At least $1,750 for self-only coverage or $3,500 for family coverage, with an out-of-pocket maximum no higher than $8,700 (self-only) or $17,400 (family).
Is the 2027 FSA limit official yet? No — as of this writing, the IRS has only finalized HSA and HDHP figures for 2027. The Health FSA limit is expected via a separate Revenue Procedure in October or November 2026, following the same schedule used for the 2026 FSA announcement.
Can I still contribute to an HSA if I have a Direct Primary Care membership? Starting in 2027, yes — as long as the DPC membership fee doesn’t exceed $150/month (individual) or $300/month (family), it no longer disqualifies you from HSA eligibility, thanks to new guidance in Revenue Procedure 2026-24.
The Bottom Line
The 2027 HSA limits give you $100–$250 more room to set aside pre-tax dollars, depending on your coverage tier, and the accompanying HDHP thresholds mean some plans that qualified in 2026 may need a slightly higher deductible to still qualify in 2027 — worth double-checking with your HR team before you assume your current plan carries over. Before your next open enrollment, divide your target annual HSA contribution by your actual remaining pay periods with the savings goal calculator, then confirm the resulting paycheck deduction fits your full budget with the budget calculator — so your election captures as much of the tax advantage as possible without straining your monthly cash flow.