Quick Answer (Projected): The 2027 HSA contribution limit is projected at approximately ~$4,400 (self-only) or ~$8,800 (family). The $1,000 catch-up for age 55+ is not inflation-adjusted and remains $1,000.
2027 HSA Contribution Limits (Projected)
| Coverage Type | 2027 Projected | 2027 With Catch-Up (55+) | 2026 Confirmed |
|---|---|---|---|
| Self-Only | ~$4,400 | ~$5,400 | $4,300 |
| Family | ~$8,800 | ~$9,800 | $8,550 |
The $1,000 catch-up contribution for age 55+ is set by statute and has not been indexed for inflation since 2004. It remains at $1,000 for 2027.
2027 HDHP Requirements (Projected)
| Requirement | Self-Only (2027 Proj.) | Family (2027 Proj.) | 2026 Confirmed |
|---|---|---|---|
| Minimum Annual Deductible | ~$1,700 | ~$3,400 | $1,650 / $3,300 |
| Maximum Out-of-Pocket | ~$8,550 | ~$17,100 | $8,300 / $16,600 |
Compare HSA vs FSA and plan your health savings
Open Budget Planner →See Confirmed 2026 Limits: For official IRS-published figures, see our 2026 HSA Contribution Limits page.