The IRS has released the 2027 cost-of-living adjusted limits for Health Savings Accounts (HSAs) and High-Deductible Health Plans (HDHPs). Changes to these limits will take effect January 2027.
HSA Contribution Limits: The 2027 limit is $4,500 for individuals with self-only HDHP (up from $4,400 in 2026), and $9,000 for individuals with family HDHP coverage (up from $8,750 in 2026).
HSA Catch-Up Contribution: Individuals age 55 and older can contribute an additional $1,000 catch-up contribution annually. This amount remains unchanged for 2027.
HDHP Minimum Deductibles: The 2027 deductible is $1,750 for self only HDHP coverage (up from $1,700 in 2026), and $3,500 for family HDHP coverage (up from $3,400 in 2026).
HDHP Out-of-Pocket Maximums: The 2027 limit, including deductibles, copayments, and coinsurance, is $8,700 for self-only HDHP coverage (up from $8,500 in 2026), and $17,400 for family HDHP coverage (up from $17,000 in 2026).
EBHRA (Expected Benefit HRA) Contribution Limit: The 2027 maximum amount is $2,250 (up from $2,200 in 2026).
Questions? Contact us at 855.890.7239 or send an email to customerservice@nuesynergy.com.