HSA Adjustments for 2027

Each year, the annual limit for Health Savings Accounts (HSAs) and High Deductible Health Plans (HDHPs) is adjusted by the IRS for inflation. The adjustment accounts for the maximum HSA contributions, minimum deductible amount, and maximum out-of-pocket (OOP) limits. If you don’t know what an HSA or HDHP is, check out our previous blog here. Check out our chart below for the individual and family limits for 2027:

In 2026, the max contribution an individual could make to an HSA was $4,400, for plans with a minimum deductible of $1,700 and a maximum OOP of $8,500. For 2027, this has been adjusted to an max contribution of $4,500, for plans with a minimum deductible of $1,750 and a max OOP of $8,700.

For families, the maximum contribution for 2026 was $8,750, for plans with a minimum deductible of $3,400 and a maximum OOP of $17,000. These have been adjusted for 2027 to a max contribution of $9,000, for plans with a minimum deductible of $3,500 with a maximum OOP of $17,400.

If you’re not sure if your plan qualifies for an HSA, or if you have any questions, get in touch with us! We’re happy to help.