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HSA Contribution Limits 2027: $4,500 / $9,000, Official (IRS Rev. Proc. 2026-24)

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The full 2027 figuresWhy HSA figures are announced so much earlier than everything else on this listSources

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Updated August 10, 2026. Quick answer. 2027 HSA contribution limits are already official — IRS Revenue Procedure 2026-24, announced May 29, 2026: $4,500 for self-only coverage (up from $4,400 in 2026) and $9,000 for family coverage (up from $8,750). The $1,000 catch-up for savers 55 and older is unchanged — it’s fixed by statute, not indexed for inflation.

More on the 2027 tax figures: the 2027 commuter benefit limit and the 2027 QSEHRA limit.

IRS worksheets read line by line: Form 8889 Line 3 Limitation Worksheet.

Related reading on this site: IRS Publication 969.

Form 8606 and Form 8889 for 2025, read line by line: Form 8889 lines 1 and 2, Form 8889 lines 3, 4 and 5 and Form 8889 lines 6, 7 and 8.

Schedule 2 (Form 1040) for 2025, read line by line: Schedule 2 lines 17c to 17f.

Schedule 1 (Form 1040) for 2025, read line by line: Schedule 1 lines 8d to 8f and Schedule 1 lines 12 to 14.

Read line by line from the IRS form text: Form 1095-A column A, Form 1095-A column B and Form 1095-A column C.

The employee copy of Form W-2, read box by box: W-2 box 10.

The employee copy of Form W-2, read box by box: W-2 box 1 and W-2 boxes 1, 3 and 5.

Related reading on this site: HSA contribution deadline 2026.

More IRS forms and schedules, read line by line: Form 5498-SA instructions.

The IRS form or worksheet behind this, read line by line: Form 8889 instructions.

The 2026 limits and the FSA comparison: the 2026 HSA contribution limits and the 2026 FSA limits.

The full 2027 figures

Figure20262027
HSA contribution limit — self-only$4,400$4,500
HSA contribution limit — family$8,750$9,000
Catch-up (age 55+)$1,000$1,000 (unchanged, not indexed)
HDHP minimum deductible — self-only$1,700$1,750
HDHP minimum deductible — family$3,400$3,500
Percentage change from 2026 to 2027 in each of the five HSA figures this page publishesFive horizontal bars, one for each row of the table above: HSA contribution limit — self-only, $4,400 to $4,500, +2.3 percent; HSA contribution limit — family, $8,750 to $9,000, +2.9 percent; Catch-up (age 55+), $1,000 to $1,000, +0.0 percent; HDHP minimum deductible — self-only, $1,700 to $1,750, +2.9 percent; HDHP minimum deductible — family, $3,400 to $3,500, +2.9 percent. Four of the five are inflation-indexed and moved by roughly the same small percentage. The catch-up contribution is the flat bar: it is set by statute at $1,000 and is not indexed.Four of these five figures movedpercentage change, 2026 to 2027IRS Rev. Proc. 2026-24 and 2025-190%1%2%3%HSA contribution limit — self-only2026 $4,400 · 2027 $4,500+2.3%HSA contribution limit — family2026 $8,750 · 2027 $9,000+2.9%Catch-up (age 55+)2026 $1,000 · 2027 $1,0000.0% · $1,000 by statute since 2009HDHP minimum deductible — self-only2026 $1,700 · 2027 $1,750+2.9%HDHP minimum deductible — family2026 $3,400 · 2027 $3,500+2.9%Clear Money Guide · IRS Rev. Proc. 2026-24 and 2025-1926 U.S.C. §223 · CC BY 4.0
Four of these figures are indexed. One is a fixed number in the statute. Each bar is the change from this page’s own 2026 column to its 2027 column: the contribution limits rise +2.3% and +2.9%, and both minimum deductibles rise +2.9%, because 26 U.S.C. §223(g)(1) indexes the dollar amounts in subsections (b)(2) and (c)(2)(A) for inflation. The catch-up sits in a different subsection, §223(b)(3)(B), whose own table reads “2009 and thereafter $1,000” — and §223(g)(1) does not list (b)(3) among the amounts it adjusts. So the catch-up has been $1,000 in nominal terms since 2009, and only Congress can change it. The bars are percentage change, not dollars: a +2.9% move on a $1,700 deductible is $50. 2027 figures are IRS Rev. Proc. 2026-24; 2026 figures are Rev. Proc. 2025-19; every cell above was checked against them. CC BY 4.0.

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Why HSA figures are announced so much earlier than everything else on this list

HSA limits are set on a different statutory calendar than Social Security, Medicare, or the general retirement-plan limits — the IRS publishes them via Revenue Procedure well before the calendar year begins, giving employers time to plan open-enrollment materials. That’s why this is the one 2027 figure on this site that can be stated as fact rather than a projection, while COLA, Part B, IRMAA, and the 401(k) limit are all still pending.

The measurement window behind each 2027 figure, on a calendar from January 2025 to January 2027Four horizontal bands on a two-year calendar. The 2027 HSA and high-deductible-plan amounts are measured over the twelve months ending March 31, 2026, a window that has already closed. The Social Security cost-of-living adjustment and the retirement-plan limits are measured over the calendar quarter of July to September 2026, and the Medicare Part B premium is determined during September 2026. A dashed line marks August 10, 2026, this page’s own update date, which falls before all three of those windows close.Why this one is already finalthe window each figure is measured overand where August 10, 2026 falls in itAlready finalHSA + HDHP amounts · 12 months to Mar 31, 2026Still pending on this page’s own dateSocial Security COLA · Jul–Sep 2026Retirement-plan limits · Jul–Sep 2026Medicare Part B, and IRMAA · Sep 2026August 10, 2026this page’s own dateJan 2025Jan 2026Jan 2027Clear Money Guide · 26 U.S.C. §§1, 223, 402, 41542 U.S.C. §§415, 1395r · CC BY 4.0
The 2027 HSA numbers are final because their measuring period closed in March. Each band is the window the governing statute measures, not the day an agency publishes. The HSA and deductible amounts are indexed under 26 U.S.C. §223(g), which applies the §1(f)(3) adjustment for the preceding calendar year and instructs that §1(f)(4) be read “by substituting ‘March 31’ for ‘August 31’” — so the 2027 amounts depend on the twelve months ending March 31, 2026, and nothing after it. The Social Security COLA waits on the base quarter ending September 30 (42 U.S.C. §415(i)(1)(A)(i)); the retirement-plan limits wait on the same quarter (26 U.S.C. §415(d)(2)(A), and §402(g)(4) moves the 401(k) deferral limit “at the same time and in the same manner”); and the Medicare Part B premium is determined “during September of each year” (42 U.S.C. §1395r(a)(3)), with the IRMAA surcharges computed off it under §1395r(i). This chart deliberately shows no announcement dates for the pending figures: the statutes fix when the inputs close, not when the number is published. CC BY 4.0.

Sources

IRS Revenue Procedure 2026-24 (2027 HSA and HDHP inflation-adjusted amounts), announced 2026-05-29.

Every projected figure above is attributed to the organization that published it and is explicitly not yet announced by the government body that sets it. This page will be updated with the official figure the day it is announced, and the projection will be struck through rather than deleted, so the record of what was projected vs. what actually happened stays visible. See the full current-numbers register for every figure this site tracks, dated and sourced. General information, not tax or legal advice.

The 2027 HSA figures are official, so they can be applied to your own situation now. Work out your 2027 limit from your coverage and age — including the high-deductible plan out-of-pocket maximum, which this page does not list.

How employer HSA money appears on a W-2: code W in Box 12.

When money comes back out of an HSA, the year-end form is the 1099-SA: what Box 1 and Box 2 hold, the Box 3 codes.

For every figure this program tracks, see the 2027 numbers hub. If you have gone over the limit, read how to fix an excess HSA contribution.