What is the HSA limit for 2026?

$4,400 with self-only coverage and $8,750 with family coverage, plus $1,000 if you are 55 or older.

What is the HSA limit for 2027?

$4,500 self-only and $9,000 family (IRS Rev. Proc. 2026-24).

Is the age-55 catch-up adjusted for inflation?

No. It is fixed at $1,000 in 26 U.S.C. § 223(b)(3).

Tax numbersYears 2027, 2026 and 2025IRS Rev. Procs. 2026-24 and 2025-19

HSA contribution limits 2027, 2026 and 2025

The 2026 HSA limit is $4,400 for self-only coverage and $8,750 for family coverage. The IRS has already set 2027: $4,500 and $9,000.

2025FinalFor returns filed in 2026. Rev. Proc. 2024-25.

2026Current yearFor returns filed in 2027. Rev. Proc. 2025-19.

2027PublishedPublished: Rev. Proc. 2026-24 sets the 2027 limits ($4,500 / $9,000).

HSA limits 2027, 2026 and 2025Per year. You need high-deductible health plan coverage to contribute.

	2027	2026	2025
Contribution limit, self-only coverage	$4,500	$4,400	$4,300
Contribution limit, family coverage	$9,000	$8,750	$8,550
Catch-up, age 55 and over	$1,000	$1,000	$1,000
High-deductible plan: minimum deductible, self / family	$1,750 / $3,500	$1,700 / $3,400	$1,650 / $3,300
High-deductible plan: out-of-pocket maximum, self / family	$8,700 / $17,400	$8,500 / $17,000	$8,300 / $16,600

Source: IRS, Rev. Proc. 2025-19: 2026 HSA limits

HSA contribution calculator

Your high-deductible plan covers

Year

I am 55 or older

Months covered

Your HSA contribution limit

$4,400 limit, for 12 months of coverage. Employer contributions count toward it.

Part-year coverage uses the 1/12-per-month rule. If you are covered on 1 December you may instead use the full-year limit under the last-month rule, but you must then stay covered through the following year. Spouses with family coverage share the family limit.

Limits by year

The family limit rises to $9,000 in 2027

Annual contribution limit, dollars, before the age-55 catch-up.

Sources: IRS, Rev. Proc. 2024-25: 2025 HSA limits; IRS, Rev. Proc. 2025-19: 2026 HSA limits; IRS, Rev. Proc. 2026-24: 2027 HSA limits

What changed from 2025 to 2026

	2025	2026	Change
Self-only	$4,300	$4,400	+$100 (+2.3%)
Family	$8,550	$8,750	+$200 (+2.3%)
Minimum deductible, self	$1,650	$1,700	+$50 (+3.0%)
Minimum deductible, family	$3,300	$3,400	+$100 (+3.0%)
Out-of-pocket max, self	$8,300	$8,500	+$200 (+2.4%)
Out-of-pocket max, family	$16,600	$17,000	+$400 (+2.4%)

Questions and answers

What is the HSA limit for 2026?: $4,400 with self-only coverage and $8,750 with family coverage, plus $1,000 if you are 55 or older.
What is the HSA limit for 2027?: $4,500 self-only and $9,000 family (IRS Rev. Proc. 2026-24).
Is the age-55 catch-up adjusted for inflation?: No. It is fixed at $1,000 in 26 U.S.C. § 223(b)(3).

401(k) limits$24,500
FSA limits$3,400 health
Tax brackets37% from $640,600
Standard deduction$16,100 single
Capital gains brackets0% to $49,450 single
Your federal tax receiptwhere your tax goes
State income tax calculators50 states and DC
All tax numbers2025 and 2026

Sources

IRS, Rev. Proc. 2026-24: 2027 HSA limits.
IRS, Rev. Proc. 2025-19: 2026 HSA limits.
IRS, Rev. Proc. 2024-25: 2025 HSA limits.
26 U.S.C. § 223 (health savings accounts: $1,000 catch-up at 55).
Every figure on this page was checked against the documents above by an automated test on 9 October 2026. Status of 2027 figures checked on 9 October 2026 (IRS newsroom and SSA). Page built 2026-10-09.