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Key takeaways – 2025 HSA contribution limits
The Internal Revenue Service (IRS) has announced updated Health Savings Account (HSA) contribution limits and High-Deductible Health Plan (HDHP) requirements for 2027. These annual adjustments allow individuals and families to set aside additional tax-advantaged dollars for qualified healthcare expenses.
2026 & 2027 HSA Contribution Limits
| Coverage Type | 2026 Limit | 2027 Limit |
| Individual Coverage | $4,400 | $4,500 |
| Family Coverage | $8,750 | $9,000 |
For 2027, the maximum HSA contribution increases by $100 for individuals and $250 for families.
To be eligible to contribute to an HSA, individuals must be enrolled in a qualified High-Deductible Health Plan (HDHP).
Individual Coverage |
2026 | 2027 |
| Minimum deductible | $1,700 | $1,750 |
| Maximum out-of-pocket limit | $8,500 | $8,700 |
| HDHP (family coverage) | 2026 | 2027 |
| Minimum deductible | $3,400 | $3,500 |
| Maximum out-of-pocket limit | $17,000 | $17,400 |
The annual limit for Excepted Benefit Health Reimbursement Arrangements (EBHRAs) will also increase in 2027.
| EBHRA | 2026 | 2027 |
| Limit | $2,200 | $2,250 |
Individuals age 55 and older may contribute an additional $1,000 each year to their HSA.
This means eligible participants may contribute up to:
To open and contribute to an HSA, you must be enrolled in an HSA-qualified High-Deductible Health Plan (HDHP).
HSA funds may be used for qualified medical expenses incurred by:
One advantage of an HSA is the ability to adjust contribution amounts throughout the year, subject to employer plan procedures and annual IRS limits.
Contributions that exceed IRS limits may result in tax consequences. Excess amounts may be considered taxable income and could be subject to additional IRS penalties if not corrected.
Health Savings Accounts continue to be an important healthcare savings tool for millions of Americans. HSA balances nationwide have grown substantially in recent years as more individuals take advantage of the tax benefits and long-term savings opportunities these accounts provide.
This information is intended for general educational purposes only and should not be considered legal, tax or financial advice. Please consult your tax advisor, financial professional or legal counsel regarding your specific situation.
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