The HDHP maximum counts deductibles, copays and coinsurance for covered in-network care. Premiums do not count. A plan with a higher maximum can still be sold, but it cannot be paired with an HSA. Compare with the ACA out-of-pocket maximum for 2027.
| 2026 HDHP | 2027 HDHP | 2027 ACA limit (any plan) | |
|---|---|---|---|
| Self-only | $8,500 | $8,700 | $12,000 |
| Family | $17,000 | $17,400 | $24,000 |
Worked example: what a bad year costs at the maximum
| Sample plan | Deductible | Out-of-pocket max | Your share of $50,000 / $90,000 of care | HSA-eligible? |
|---|---|---|---|---|
| Self-only, at the HSA maximum | $3,000 | $8,700 | $8,700 | Eligible |
| Self-only, $300 over | $3,000 | $9,000 | $9,000 | Not eligible |
| Family, at the HSA maximum | $5,000 | $17,400 | $17,400 | Eligible |
| Family, at the ACA limit | $5,000 | $24,000 | $22,000 | Not eligible |
Assumptions: 20% coinsurance after the deductible; the amounts are example plans, not real ones. In the worst case a self-only HDHP can cost up to $8,700 plus premiums, which is why many people keep HSA money or savings for the deductible. See worked HSA vs PPO examples.
Sources: IRS Rev. Proc. 2026-24; CMS guidance of January 29, 2026 (2027 benefit year). Checked October 18, 2026.
Related: HDHP minimum deductible · deductible vs out-of-pocket max · 2027 limits hub.
This is general information, not tax or insurance advice. Confirm details with your plan documents, the IRS and a qualified professional.
General education, not insurance, tax or legal advice. Figures from IRS and HHS publications; confirm with your plan documents.