Health savings accounts · 2027
2027 HSA limits and the plans that qualify
The IRS has published the 2027 numbers. Here they are, plus the plan rules that decide whether you can contribute at all.
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- $4,500 self-only
- $9,000 family
- Bronze plans qualify
Find an HSA-eligible 2027 plan
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The 2027 numbers
| Self-only | Family | |
|---|---|---|
| 2027 HSA contribution limit | $4,500 | $9,000 |
| 2026 limit, for comparison | $4,400 | $8,750 |
| 2027 minimum plan deductible | $1,750 | $3,500 |
| 2027 maximum out-of-pocket | $8,700 | $17,400 |
2027 amounts: IRS Rev. Proc. 2026-24.[1] 2026 limits: CMS.[2]
Which plans work with an HSA
- As of January 1, 2026, Bronze and Catastrophic plans bought through the Marketplace are treated as HSA-compatible.[3]
- HealthCare.gov lets you filter for “Eligible for an HSA” when you preview plans.[4]
- You must stop contributing once you enroll in any part of Medicare.[2]
- Generally, insurance premiums aren’t qualified medical expenses for HSA withdrawals.[2]
Is a Bronze-plus-HSA setup right for you?
A Bronze plan pays about 60% of covered costs on average.[5] If your income qualifies for Silver cost-sharing reductions, Silver may cost less overall. See Bronze vs. Silver. Self-employed? The self-employed deduction works alongside an HSA.
General information, not tax advice. Confirm your contribution with a tax professional.
Sources
- IRS Rev. Proc. 2026-24 (2027 HSA and high deductible health plan amounts). https://www.irs.gov/pub/irs-drop/rp-26-24.pdf
- CMS, What’s a Health Savings Account? (2026 & 2027 limits). https://www.cms.gov/marketplace/outreach-and-education/health-savings-account.pdf
- IRS, Treasury, IRS provide guidance on new tax benefits for health savings account participants under the One, Big, Beautiful Bill. https://www.irs.gov/newsroom/treasury-irs-provide-guidance-on-new-tax-benefits-for-health-savings-account-participants-under-the-one-big-beautiful-bill
- HealthCare.gov, Catastrophic health plans. https://www.healthcare.gov/choose-a-plan/catastrophic-health-plans/
- HealthCare.gov, The “metal” categories: Bronze, Silver, Gold & Platinum. https://www.healthcare.gov/choose-a-plan/plans-categories/
Checked October 16, 2026. 2027 Marketplace plans and final 2027 rates aren’t published yet; we’ll update this page when they are.
Frequently asked questions
What is the 2027 HSA contribution limit?
$4,500 for self-only coverage and $9,000 for family coverage, per IRS Rev. Proc. 2026-24. People 55 or older can contribute an extra $1,000.
What is the minimum deductible for an HSA-eligible plan in 2027?
$1,750 for self-only coverage and $3,500 for family coverage, with out-of-pocket maximums of $8,700 and $17,400.
Can I use an HSA with a Marketplace Bronze plan?
Yes. As of January 1, 2026, Marketplace Bronze and Catastrophic plans are treated as HSA-compatible.
Can I contribute to an HSA on Medicare?
No. You must stop contributing once you enroll in any part of Medicare.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.