2027 HSA limits at a glance
| 2027 | 2026 | |
|---|---|---|
| Contribution limit, self-only coverage | $4,500 | $4,400 |
| Contribution limit, family coverage | $9,000 | $8,750 |
| Extra at age 55 or older | $1,000 | $1,000 |
| Minimum plan deductible, self-only / family | $1,750 / $3,500 | $1,700 / $3,400 |
| Out-of-pocket maximum, self-only / family | $8,700 / $17,400 | $8,500 / $17,000 |
The limit is for everything that goes into your HSA in the year: your own deposits, payroll deductions and your employer's contributions together.
Who can put money in an HSA
- You're covered by a high deductible health plan that meets the 2027 numbers above, or by a bronze or catastrophic plan from the health insurance marketplace (allowed since 2026).
- You don't have other health coverage that pays before the deductible, with exceptions such as dental, vision and telehealth.
- You aren't enrolled in Medicare and nobody can claim you as a dependent. Medicare Part A can be backdated up to six months when you sign up after 65, and HSA contributions for those months aren't allowed.
- A direct primary care membership no longer blocks you, if it costs no more than $150 a month ($300 for more than one person).
Married couples
If either spouse has family coverage, the couple shares one $9,000 family limit and can split it between their HSAs however they like. This applies when both spouses are HSA-eligible; if each has self-only coverage, each can put $4,500 in their own HSA. The $1,000 catch-up is per person: each spouse who is 55 or older adds it to their own HSA.
What an HSA saves in tax
Money you put in comes off your taxable income, it grows without tax, and you pay no tax when you spend it on medical costs. At the full self-only limit:
| Tax bracket | Federal income tax saved on $4,500 |
|---|---|
| 12% | $540 |
| 22% | $990 |
| 24% | $1,080 |
Contributions through payroll at work (a cafeteria plan) also skip the 7.65% Social Security and Medicare tax, about $344 on $4,500 if your pay is under the Social Security wage base. Most states follow the same rules; California and New Jersey tax HSA contributions and the account's earnings. Check your bracket with the 2026 tax brackets or the tax refund calculator.
Deadlines
You can make 2027 contributions until the April 2028 tax filing deadline, without extensions. For 2026, the deadline is April 15, 2027.
Common questions
What is the HSA contribution limit for 2027? $4,500 for self-only coverage and $9,000 for family coverage, up from $4,400 and $8,750 in 2026. If you're 55 or older, you can add $1,000 more.
What counts as a high deductible health plan in 2027? A plan with a deductible of at least $1,750 for self-only coverage or $3,500 for family coverage, and out-of-pocket costs of no more than $8,700 or $17,400. Since 2026, bronze and catastrophic plans from the health insurance marketplace also qualify.
Do my employer's contributions count toward the limit? Yes. Money your employer puts into your HSA counts toward the same $4,500 or $9,000 limit, so subtract it from what you can add yourself.
What is the deadline for 2027 HSA contributions? You can contribute for 2027 until the tax filing deadline in April 2028. Extensions don't give you more time.
How much tax does an HSA save? Contributions come off your taxable income, the money grows tax-free, and withdrawals for medical costs are tax-free. Putting $4,500 in saves $990 of federal income tax in the 22% bracket. Through a payroll plan at work it also skips Social Security and Medicare tax, about $344 more if your pay is under the Social Security wage base.
Published November 6, 2026. Source: IRS Rev. Proc. 2026-24 (2027 amounts); IRS Rev. Proc. 2025-19 (2026 amounts); IRS Notice 2026-5 (bronze and catastrophic plans, telehealth, direct primary care); IRS Publication 969.