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Health Savings Accounts (HSA)
2027 HSA contribution limits increase to $4,500, $9,000
Key takeaways – 2027 HSA contribution limits
- 2027 HSA contribution limits will increase to $4,500 and $9,000 for self-only and family HSAs, respectively.
- 2027 HDHP minimum deductible and maximum out-of-pocket limits also are increasing.
Health savings account (HSA) contribution limits are on the rise again in 2027. The IRS announced that 2027 HSA contribution limits will increase to $4,500 for self-only HSAs and to $9,000 for family HSAs. These are increases of $100 and $250, respectively, from 2026 HSA limits.
What are the 2026 and 2027 HSA contribution limits?
| HSA | 2026 | 2027 |
| Self-only contribution limit | $4,400 | $4,500 |
| Family contribution limit | $8,750 | $9,000 |
What are the 2026 and 2027 HDHP amounts/limits?
2027 high-deductible health plan (HDHP) amounts and expense limits also increased. The 2027 HDHP minimum deductible is $1,750 for self-only coverage and $3,500 for family coverage. The maximum out-of-pocket limits for 2027 are $8,700 for self-only and $17,400 for family.
| HDHP (self-only coverage) | 2026 | 2027 |
| Minimum deductible: | $1,700 | $1,750 |
| Maximum out-of-pocket limit: | $8,500 | $8,700 |
| HDHP (family coverage) | 2026 | 2027 |
| Minimum deductible: | $3,400 | $3,500 |
| Maximum out-of-pocket limit: | $17,000 | $17,400 |
What are the 2026 and 2027 EBHRA limits?
The excepted benefit HRA (EBHRA) limits for 2027 will also increase to $2,250.
| EBHRA | 2026 | 2027 |
| Limit | $2,200 | $2,250 |
The state of HSAs today
Devenir’s 2025 year-end HSA research report shows there are nearly $174 billion in HSA assets nationwide in more than 41.7 million accounts. About 10 percent of HSAs have at least a portion of their funds invested.
When can HSA participants change their contributions?
One of the perks of an HSA is that participants can change their contribution amount at any time!
Who is eligible for an HSA?
Your employees must be enrolled in an HSA-eligible health plan (or HDHP) to be eligible to participate in an HSA.
Whose purchases can a participant spend their HSA funds on?
An HSA participant can use their funds to pay for eligible expenses for:
- Themselves
- Their spouse
- Any HSA eligible dependents claimed on their tax return
- Anyone they could have claimed as a dependent but weren’t able to
What happens when a participant contributes more to their HSA than is allowed?
Any employer contributions, including payroll deductions made through a cafeteria plan, beyond what the IRS allows are included on a participant’s W-2 as taxable income. The participant may also be subject to a 6% excise tax on any excess contributions made to the participant’s account.Â
How do HSA catch-up contributions work?
HSA participants who are 55 years of age or older can contribute an extra $1,000 annually. That means these HSA participants eligible for catch-up contributions have 2027 limits of $5,500 for self-only and $10,000 for family coverage.
The information in this blog post is for educational purposes only. It is not legal or tax advice. For legal or tax advice, you should consult your own counsel.
Copyright ©2026 WEX Inc. All rights reserved. The information in this document is subject to change without notice.