The IRS announced the 2027 HSA contribution limits in Revenue Procedure 2026-24. Self-only coverage: $4,500. Family coverage: $9,000.
That is a $100 increase for individuals and a $250 increase for families over 2026. The family limit hitting $9,000 is a round-number milestone worth planning around.
The 2027 numbers vs 2026
| 2026 | 2027 | Change | |
|---|---|---|---|
| Contribution limit, self-only | $4,400 | $4,500 | +$100 |
| Contribution limit, family | $8,750 | $9,000 | +$250 |
| Catch-up (age 55+) | $1,000 | $1,000 | none |
| HDHP minimum deductible, self-only | $1,700 | $1,750 | +$50 |
| HDHP minimum deductible, family | $3,400 | $3,500 | +$100 |
| HDHP out-of-pocket max, self-only | $8,500 | $8,700 | +$200 |
| HDHP out-of-pocket max, family | $17,000 | $17,400 | +$400 |
The catch-up contribution is set by statute, not inflation. It stays at $1,000 and applies from the year you turn 55. With the catch-up, a 55+ individual can put in $5,500. A 55+ couple with family coverage can reach $11,000, but each spouse needs their own HSA for their own $1,000. The details are in our catch-up contributions guide.
What makes you eligible to contribute
The contribution limit only matters if your health plan qualifies. For 2027, an HSA-qualifying HDHP needs a deductible of at least $1,750 for self-only coverage. For family coverage, the minimum is $3,500. Its out-of-pocket maximum cannot exceed $8,700 for self-only or $17,400 for family.
Plans advertise "HSA-eligible" during open enrollment, but the numbers above are the actual legal test. If you are comparing an HDHP against a PPO this fall, run your real numbers through our HDHP vs PPO calculator instead of guessing.
Direct primary care no longer breaks eligibility
This rule is newer than most people realize. Since January 2026, a direct primary care membership no longer disqualifies you from contributing to an HSA. That carries into 2027.
There is a fee cap. For 2027, fees cannot exceed $150 per month for one person. The cap is $300 for a membership covering more than one person. Same caps as 2026. Stay under them and you keep full HSA eligibility.
Before 2026, a $75/month DPC membership could silently make every HSA dollar you contributed an excess contribution. If that describes your 2025 setup, our excess contribution guide covers the cleanup.
What to actually do with this
Update your payroll election in January. The new limits take effect January 1, 2027. Spread evenly across 26 paychecks, the max is $173.08 per check for self-only and $346.15 for family. At 55+, those become $211.54 and $384.62.
You get until tax day 2028 to finish. Contributions for 2027 can be made until the federal tax filing deadline in April 2028. A lump sum in March 2028 counts for 2027 if you designate it correctly.
Keep the receipts either way. Contribution room grows every year, but reimbursement has no deadline. Every receipt you save now is a tax-free withdrawal you can take in 2035. That is the whole reason Tripl exists.
Still working on your 2026 contributions? The current-year numbers are in our 2026 contribution limits guide.
*This is educational content, not financial or tax advice. Consult a qualified professional before making decisions about your HSA.*