HSA contribution limits
| Coverage | 2026 | 2027 |
|---|---|---|
| Self-only | $4,400 | $4,500 |
| Family | $8,750 | $9,000 |
| Extra if you are 55 or older | $1,000 | $1,000 |
The limit covers money from you and your employer combined. The $1,000 catch-up is set in the tax code and is not adjusted for inflation. The IRS published the 2027 HSA figures in May 2026, earlier than most other limits.
What counts as a high deductible health plan
You can only contribute to an HSA in months when you are covered by a high deductible health plan (HDHP) and have no other disqualifying coverage.
| Rule | 2026 | 2027 |
|---|---|---|
| Minimum deductible, self-only | $1,700 | $1,750 |
| Minimum deductible, family | $3,400 | $3,500 |
| Out-of-pocket maximum, self-only | $8,500 | $8,700 |
| Out-of-pocket maximum, family | $17,000 | $17,400 |
The out-of-pocket maximum includes deductibles, copays and coinsurance, but not premiums.
Health FSA limits for 2026
You can have up to $3,400 taken from your pay for a health flexible spending arrangement in 2026, up from $3,300 in 2025. If your employer's plan allows a carryover, up to $680 of unused money can roll into the next plan year (it was $660). Some plans offer a grace period instead, and some offer neither, in which case money left at the end of the year is lost.
HSA or FSA: the main differences
- An HSA belongs to you. The balance stays when you change jobs and has no use-it-or-lose-it deadline.
- A health FSA is run by your employer and usually requires you to spend most of the money within the plan year.
- You need an HDHP for an HSA. A health FSA does not require a particular health plan.
What it means for your monthly budget
Reaching the 2026 HSA limit takes about $367 a month for self-only coverage and about $729 for family coverage. In 2027 that becomes $375 and $750. A full health FSA is about $283 a month. Because an HDHP can leave you paying up to $8,500 yourself in 2026 before the plan pays everything, treat the HSA as the fund for that deductible. With an FSA, estimate costs you already know about, like prescriptions or glasses, so you do not set aside more than you will spend.
Sources
- IRS Revenue Procedure 2025-19 (2026 HSA and HDHP amounts) (2025-05-19)
- IRS Revenue Procedure 2026-24 (2027 HSA and HDHP amounts), Internal Revenue Bulletin 2026-25 (2026-06-15)
- IRS Revenue Procedure 2025-32, section 3.15 (2026 health FSA limit and carryover) (2025-10-09)
- IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans (2026-10-11)