IRS Announces Inflation Adjustments to Health Savings Account Limits for 2027
May 29, 2026 – The Internal Revenue Service (IRS) issued 2027 inflation adjustments to health savings account (HSA) limits in Revenue Procedure 2026-24 (https://www.irs.gov/pub/irs-drop/rp-26-24.pdf). This ruling increased the health savings account (HSA) annual contribution limit for self-only coverage to $4,500 for calendar year 2027, an increase of $100 over the 2026 limit of $4,400. The family contribution limit was also increased to $9,000 for calendar year 2027, an increase of $250 over the 2026 limit of $8,750.
The Section 223 minimum deductible requirement for 2027 also increased to $1,750 for self-only and $3,500 for family coverage. Annual out-of-pocket expenses (including co-payments, deductibles, and other amounts, but excluding premiums) for 2027 may not exceed $8,700 for self-only coverage or $17,400 for family coverage.
| Annual Limits | 2025 | 2026 | 2027 |
| §223 Minimum Deductible | |||
| Employee Only | $1,650 | $1,700 | $1,750 |
| Family | $3,300 | $3,400 | $3,500 |
| HSA Contribution Limit | |||
| Employee Only | $4,300 | $4,400 | $4,500 |
| Family | $8,550 | $8,750 | $9,000 |
Please contact your FloresHR business development partner or account manager with questions regarding this adjustment. For more information on FloresHR HSA administration, request a proposal.
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