Contribution Limits for 2027
The HSA contribution limit for individuals with self-only HDHP coverage is $4,500.
(A $100 increase from 2026)
The HSA contribution limit for individuals with family HDHP coverage is $9,000.
(A $250 increase from 2026)
HDHP Minimum Required Deductibles for 2027
The minimum annual deductible for self-only HDHP coverage is $1,750.
The minimum annual deductible for family HDHP coverage is $3,500.
HDHP Out-of-Pocket Maximums for 2027
The maximum in-network out-of-pocket expenses (including items such as deductibles, co-payments, and co-insurance, but not premiums):
The maximum out-of-pocket (in-network) for self-only HDHP coverage is $8,700.
(A $200 increase from 2026)
The maximum out-of-pocket (in-network) for family HDHP coverage is $17,400.
(A $400 increase from 2026)
Post-Deductible HRAs
Employers with a Post-Deductible HRA should confirm that the employee front-end deductible responsibility is at least $1,750 for single coverage and $3,500 for family coverage in order to maintain participant’s eligibility for HSAs in 2027.