IRS Releases 2026 HSA and HDHP Limits
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The IRS has released 2027 HSA and HDHP limits, giving employers and employees an early look at key contribution and plan design changes for the upcoming year. HSA contribution limits and HDHP thresholds will increase in 2027, making now a good time for employers to begin evaluating benefits strategies, employee communications, and enrollment planning.
With 2027 approaching fast, the IRS has begun to release some of next year’s indexing adjustment and benefit limits for health and welfare plans.
2027 HSA and HDHP Limits at a Glance
The IRS recently released Rev. Proc. 2026-24 , which contains the 2027 limits for HSAs and high-deductible health plans (HDHPs). Qualified individuals with self-only coverage will be able to contribute $4,500, a $100 increase from 2026. Qualified individuals with family coverage may contribute up to $9,000, a $250 increase from 2026. As always, individuals age 55 and older may make an additional $1,000 catch-up contribution.
| HSA Contribution Limit – Single | HSA Contribution Limit – Family | HSA Contribution Limit – 55+ Catch-Up Contribution | Minimum HDHP Deductible - Single | Minimum HDHP Deductible – Family | Plan Out-of-Pocket Maximum for HSA Eligibility – Single | Plan Out-of-Pocket Maximum for HSA Eligibility - Family | |
| 2026 | $4,400 | $8,750 | $1,000 | $1,700 | $3,400 | $8,500 | $17,000 |
| 2027 | $4,500 | $9,000 | $1,000 | $1,750 | $3,500 | $8,700 | $17,400 |
Are your 2027 health plan and HSA strategies ready? Connect with a OneDigital benefits advisor to evaluate upcoming limits, employee communications, and plan design considerations ahead of open enrollment.