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.
Direct answer
The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. For 2027, the limits increase to $4,500 and $9,000. An eligible person age 55 or older may add $1,000 to their own HSA.
The 2026 HSA contribution limit is $4,400 for self-only coverage and $8,750 for family coverage. For 2027, the limits increase to $4,500 and $9,000. An eligible person age 55 or older may add $1,000 to their own HSA.
Contribution and plan limits
| Limit | 2026 self-only | 2026 family | 2027 self-only | 2027 family |
|---|---|---|---|---|
| HSA contribution | $4,400 | $8,750 | $4,500 | $9,000 |
| HDHP minimum deductible | $1,700 | $3,400 | $1,750 | $3,500 |
| HDHP out-of-pocket maximum | $8,500 | $17,000 | $8,700 | $17,400 |
The annual number is only the starting point
Your actual limit can be lower when HSA eligibility begins or ends during the year. Eligibility is tested on the first day of each month. Employer contributions, salary-reduction contributions, and personal contributions all use the same limit.
Catch-up contributions belong to one spouse
Each eligible spouse age 55 or older can make a $1,000 catch-up contribution, but each catch-up must go into that spouse's own HSA. The family base limit may be divided by agreement; one spouse cannot place the other spouse's catch-up in the same account.