| 2026 | 2027 | 2027 with age 55+ catch-up | |
|---|---|---|---|
| Self-only | $4,400 | $4,500 | $5,500 |
| Family | $8,750 | $9,000 | $10,000 |
Source: IRS Rev. Proc. 2026-24; IRS Publication 969. Checked October 18, 2026. Catch-up is per eligible person, who must have their own HSA.
Worked example: employee plus child
| Step | Amount |
|---|---|
| 2027 family limit | $9,000 |
| Employer contribution | $1,000 |
| Room left for you (limit minus employer money) | $8,000 |
| Per biweekly paycheck to use all of it | $307.69 |
Employer contributions count toward the limit, so the room you have is the limit minus what your employer deposits. Self-only coverage in the same example would leave $3,500. The family limit is exactly twice the self-only limit ($4,500 × 2 = $9,000).
Things people miss
- The limit depends on your coverage in each month, and the last-month rule can change it: switching plans mid-year.
- Married couples share one family limit: married couples.
- Higher family limits do not mean a family plan is cheaper; compare total yearly cost in the family example.
Related: 2027 HSA limits · HSA at 55 · 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.