2027 Inflation-Adjusted HSA & QHDHP Limits Released
On May 29, 2026, the IRS released the 2027 inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs). These limits vary based on whether an individual has self-only or family HDHP coverage.
In 2027, eligible individuals with self-only HDHP coverage will be able to contribute $4,500 to their HSAs, up from $4,400 for 2026. Eligible individuals with family HDHP coverage will be able to contribute $9,000 to their HSAs, up from $8,750 for 2026. Individuals age 55 and older may continue to make an additional $1,000 HSA “catch-up” contribution.
The minimum deductible amount for 2027 HDHPs increases to $1,750 for self-only coverage and $3,500 for family coverage (up from $1,700 for self-only coverage and $3,400 for family coverage in 2026). The 2027 HDHP maximum out-of-pocket expense limit increases to $8,700 for self-only coverage and $17,400 for family coverage (up from $8,500 for self-only coverage and $17,000 for family coverage in 2026).
Employers sponsoring HDHPs should review their plan’s cost-sharing limits when planning for 2027 and adjust as necessary. Employers allowing employees to make pre-tax HSA contributions through the company cafeteria plan will want to update 2027 communication materials to reflect the increased limits.
