| Limit | 2026 | 2027 | Status | Page |
|---|---|---|---|---|
| HSA, self-only / family | $4,400 / $8,750 | $4,500 / $9,000 | Official (IRS) | family vs self-only |
| HSA catch-up (55+) | $1,000 | $1,000 | Fixed by law | at 55 |
| HDHP minimum deductible | $1,700 / $3,400 | $1,750 / $3,500 | Official (IRS) | details |
| HDHP out-of-pocket maximum | $8,500 / $17,000 | $8,700 / $17,400 | Official (IRS) | details |
| ACA out-of-pocket maximum | $10,600 / $21,200 | $12,000 / $24,000 | Official (CMS) | details |
| Health FSA | $3,400 | Not yet announced | Pending (IRS) | details |
| FSA carryover maximum | $680 | Not yet announced | Pending (IRS) | details |
| Dependent care FSA | $7,500 | $7,500 (current law) | Statute (P.L. 119-21) | details |
HSA situations
- Switching plans or jobs mid-year (last-month rule)
- Married couples
- Enrolling in Medicare
- Full 2027 HSA limits page · per-paycheck calculator
Related series
HSA vs PPO by situation · How health plan costs work · 2027 open enrollment deadlines.
Sources: IRS Rev. Proc. 2026-24; IRS Rev. Proc. 2025-32, section 4.15; CMS guidance of January 29, 2026 (2027 benefit year). Checked October 18, 2026.
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.