What is the 2027 HSA contribution limit for self-only coverage?

$4,500 for calendar year 2027 under Rev. Proc. 2026-24. That is $100 higher than the 2026 self-only limit of $4,400. Employer deposits count toward the same ceiling.

What is the 2027 HSA family contribution limit?

$9,000 for calendar year 2027 under Rev. Proc. 2026-24, up $250 from the 2026 family limit of $8,750. Coverage type follows the HDHP, not marital status alone.

Does the age-55 HSA catch-up change for 2027?

No. The additional catch-up remains $1,000 on top of the self-only or family base limit if you are 55 or older and otherwise eligible (generally not enrolled in Medicare).

What are the 2027 HDHP minimum deductibles and maximum out-of-pocket amounts?

Minimum annual deductible $1,750 self-only / $3,500 family. Maximum out-of-pocket (deductibles, co-payments, and other amounts, but not premiums) $8,700 self-only / $17,400 family. Both come from Rev. Proc. 2026-24 §3.01(3).

Do employer HSA deposits count toward the 2027 limit?

Yes. The IRS ceiling is combined employee plus employer (and any other) contributions for the calendar year. Payroll deposits use the same room the employee can contribute.

When is the contribution deadline for calendar year 2027 HSA deposits?

Generally the federal income-tax filing deadline for the 2027 tax year (without extensions) — typically mid-April 2028. That is separate from the deadline for 2026 contributions, which is generally the filing deadline for the 2026 return (typically mid-April 2027). Confirm Publication 969 and your custodian’s cutoff.

2027 HSA Contribution Limits — $4,500 / $9,000

Open enrollment for 2027 medical plans is the window when many people lock in a high-deductible health plan (HDHP) and an HSA for next year. The IRS already published the 2027 contribution and HDHP dollar tests in Revenue Procedure 2026-24 (also in Internal Revenue Bulletin 2026-25).

This guide is the open-enrollment snapshot: 2026 → 2027 comparison, a leftover-room example after an employer deposit, and a short note on Notice 2026-05 eligibility expansions that already apply for 2026+. For the general rules (who can contribute, catch-up stacking, match-then-HSA order), keep HSA contribution limits and catch-up open alongside this page. Size leftover room with the HSA calculator (defaults still model current-year math; use the 2027 figures below when electing next year’s plan).

2026 vs 2027 limits (Rev. Proc. 2026-24)

Item	2026	2027
HSA self-only contribution	$4,400	$4,500
HSA family contribution	$8,750	$9,000
Catch-up age 55+	$1,000	$1,000
HDHP minimum deductible (self / family)	$1,700 / $3,400	$1,750 / $3,500
HDHP maximum out-of-pocket (self / family)	$8,500 / $17,000	$8,700 / $17,400
Excepted benefit HRA newly available max (plan year)	$2,200	$2,250
DPCSA monthly aggregate fee caps (individual / multi)	$150 / $300	$150 / $300

Self-only rose $100; family rose $250. Catch-up is unchanged. HDHP deductible floors and out-of-pocket caps each stepped up as shown in §3.01(3). The excepted-benefit HRA newly available maximum for plan years beginning in 2027 is $2,250 (§3.02). Direct primary care service arrangement (DPCSA) monthly aggregate fee caps for the HSA-eligibility safe harbor are $150 (individual) / $300 (arrangement covering more than one individual) for months in calendar year 2027 (§3.01(2)) — the first inflation-adjustment year under section 223(c)(1)(E); the published dollar amounts did not move from the statutory starting figures.

Confirm every line against the official PDF before you set payroll or file.

Why this matters during fall open enrollment

Electing a 2027 HDHP (or confirming your employer’s 2027 HSA-compatible plan still meets the new deductible and out-of-pocket tests) is what unlocks the $4,500 / $9,000 contribution year. Contribution limits are calendar-year; plan deductibles and OOP caps are plan-year. If your plan year starts January 1, open enrollment in late September / October is when you choose the coverage that must satisfy the 2027 HDHP floors above.

Family versus self-only still follows HDHP coverage, not marital status alone. A married person on a self-only HDHP uses the self-only cap even if dependents are on a different plan.

Worked leftover-room example (employer deposit)

Stated assumptions for a planning sketch only: calendar year 2027, family HDHP coverage all year, employer will deposit $2,500 into the HSA, employee is under 55, no other third-party contributions.

2027 family limit: $9,000
Employer deposit: $2,500
Leftover employee room: $9,000 − $2,500 = $6,500

If the same person is 55+ and otherwise eligible, add the $1,000 catch-up on top → $7,500 employee room in this sketch.

Over-contributions (employee + employer combined above the ceiling) can be taxed and penalized if not corrected. The HSA calculator subtracts employee and employer amounts from the selected-year max so you can see leftover room or an over-contribution flag — swap in the 2027 ceilings from the table when you are planning next year’s elections.

Eligibility expansions already in effect (Notice 2026-05)

Rev. Proc. 2026-24 sets the dollar tests. Separate guidance in Notice 2026-05 (One, Big, Beautiful Bill context) expands who can stay HSA-eligible in ways that matter for open enrollment:

Bronze and catastrophic plans treated as HSA-compatible for periods beginning on or after January 1, 2026 (Notice 2026-05 clarifies Exchange purchase is not required for that relief).
Direct primary care arrangements that stay within the aggregate monthly fee caps (see the DPCSA row above for 2027) generally do not disqualify an otherwise eligible individual; HSA funds may also pay qualifying DPC fees.
Telehealth and remote care before the HDHP deductible is permanently allowed for HSA eligibility for plan years beginning on or after January 1, 2025.

This page does not decide whether your specific bronze/catastrophic plan, DPC contract, or telehealth benefit satisfies Notice 2026-05. Read the notice, Publication 969, and your plan documents.

Contribution timing (do not mix years)

2026 contributions: generally due by the federal income-tax filing deadline for the 2026 tax year (without extensions) — typically mid-April 2027.
2027 contributions: generally due by the federal income-tax filing deadline for the 2027 tax year (without extensions) — typically mid-April 2028.

Custodians often cut off a few days earlier. Extensions of time to file do not automatically extend the HSA contribution deadline. Confirm Publication 969 and your HSA trustee’s calendar.

HSA contribution limits and catch-up — 2025–2026 ceilings, catch-up stacking, match-then-HSA order
401(k), SIMPLE IRA & IRA contribution basics — workplace and IRA buckets that compete for the same cash
This year — retirement — current 401(k) / IRA / HSA snapshot tables
HSA calculator — leftover room after employer deposits
Retirement contribution calculator — 401(k) / IRA ceilings alongside HSA planning

What this does not do

It does not replace Rev. Proc. 2026-24, Notice 2026-05, or Publication 969.
It does not test your plan’s deductible, network, embedded vs aggregate family deductible, or last-month rule.
It does not change the HSA calculator’s default year math; use the 2027 table when electing 2027 coverage.
It does not advise whether an HDHP + HSA is better than a low-deductible plan for your medical use.
Educational only — not tax, benefits, or legal advice.

FAQ

What is the 2027 self-only HSA limit?

$4,500 for calendar year 2027 (Rev. Proc. 2026-24 §3.01(1)).

What is the 2027 family HSA limit?

$9,000 for calendar year 2027.

Is catch-up still $1,000 at age 55?

Yes. Unchanged for 2027.

What HDHP deductible and OOP floors apply in 2027?

Minimum deductible $1,750 self / $3,500 family. Maximum out-of-pocket $8,700 self / $17,400 family.

Do employer deposits count?

Yes. One combined employee + employer ceiling for the calendar year.

When can I still fund the 2027 HSA?

Generally through the federal tax filing deadline for the 2027 return (typically mid-April 2028), subject to custodian cutoffs. That is not the same date as the 2026-contribution deadline.

Try it yourself

Pull Rev. Proc. 2026-24 and confirm the 2027 rows against your open-enrollment materials.
Check whether your 2027 HDHP meets the new deductible and OOP tests (and whether Notice 2026-05 bronze/catastrophic or DPC relief applies to your facts).
Subtract expected employer HSA deposits from $4,500 or $9,000 (plus $1,000 catch-up if eligible).
Run the HSA calculator with those ceilings as a leftover-room check, then compare remaining cash against 401(k) / IRA room.
Re-read HSA contribution basics for eligibility and order-of-operations context that this page does not repeat in full.