2026 + 2027 official limits

Calculate the HSA limit your calendar actually allows.

Model partial-year eligibility, coverage changes, employer deposits, Medicare backdating, and the last-month rule without sending financial inputs to a server.

Calculate contribution room Check Medicare timing

$4,4002026 self-only contribution limit

$8,7502026 family contribution limit

$1,000Age-55 catch-up per eligible spouse

6%Recurring excess-contribution excise rate

Contribution calculator

Find the limit after monthly eligibility

All contribution sources share the same limit.

Maximum contribution from all sources

Eligible months

Ordinary prorated limit

Remaining contribution room

Projected excess

Potential recurring 6% tax

Calculation scopeFederal HSA limit

Rule guides

The traps behind the annual number

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Annual limits

2026 and 2027 HSA limits in one table

Compare contribution limits, HDHP minimum deductibles, and out-of-pocket maximums from the controlling IRS revenue procedures.

Read guide →Medicare

When to stop HSA contributions before Medicare

Estimate the last HSA-eligible month when premium-free Medicare Part A may begin retroactively.

Read guide →Eligibility

HSA last-month rule and the testing period

See when December 1 eligibility can unlock a full-year limit and when losing eligibility creates income plus a 10% additional tax.

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