Last year, the Internal Revenue Service released the official 2026 health savings account (HSA) contribution limits on May 1. We are now at May 26, and the IRS has not yet announced the 2027 HSA contribution limits.
But that doesn’t mean we don’t already have a solid idea of what they will be. Several HSA industry-watchers have released final forecasts, and the unanimous consensus is a $100 increase for self-only coverage—rising from $4,400 in 2026 to $4,500 for 2027.
There’s a slight variance among the forecasts when it comes to the 2027 HSA contribution limit for family coverage, with some predicting a $200 increase from $8,750 in 2026 to $8,950 in 2027 while others predict it will increase another $50 to $9,000.
The HSA catch-up contribution limit at age 55 or older will remain at $1,000, as it is not indexed for inflation and remains static unless Congress changes the law.
Most of the IRS’s annual benefit limits are tied to inflation, and they’re recalculated using formulas outlined in the Internal Revenue Code. Knowing the mechanisms can help set expectations. HSA and HDHP limits are adjusted annually using the Chained Consumer Price Index for All Urban Consumers (C-CPI-U). These changes reflect shifts in healthcare costs and overall inflation.
Tracking this allows forecasters to predict the following year’s limits. As early as Feb. 24, Mercer projected the 2027 inflation-adjusted amounts for HSAs, high-deductible health plans (HDHPs), and excepted-benefit health reimbursement arrangements (HRAs) will increase from 2026 levels. Mercer pegs it at $4,500 for self-only coverage and $8,950 for family coverage.
So does HSA Research by Devenir. The Mercer and HSA Research by Devenir forecasts are also aligned on next year’s High-Deductible Health Plan limits. must have an annual deductible. Both have them increasing from $1,700 in 2026 to $1,750 in 2027 for self-only coverage, and from $3,400 in 2026 to $3,500 in 2027 for family coverage.
“Mr. HSA” Roy Ramthun, who says he has accurately predicted the annual adjustments by the IRS for the past 19 years, finalized his 2027 HSA Projections on April 15. Ramthun also forecasts the $100 increase for self-only HSA coverage in 2027, but went the extra $50 on the family coverage, projecting an increase from $8,750 in 2026 to $9,000 in 2027. Ramthun’s projections for 2027 HDHP minimum deductibles also align with the Mercer and HSA Research by Devenir forecasts.
As far as the HDHP in-network out-of-pocket maximum for self-only coverage, both Mercer and HSA Research forecast a $200 increase from $8,500 to $8,700. For family coverage, HSA Research projects the HDHP in-network out-of-pocket maximum to increase from $17,000 in 2026 to $17,350 in 2027, while Mercer projects it at $17,400, but notes it could be $17,300 if inflation numbers were significantly negative in recent months. That also goes for self-only, which could $8,650 instead of $8,700.
401(k) Specialist will publish official 2027 HSA contribution limits as soon as the IRS releases them.
EDITOR’S NOTE: This article was updated to include HDHP in-network out-of-pocket maximum forecasts.
SEE ALSO:
• HSA Assets Reach $174B: Devenir
• Legislation Would Expand Employee Contributions to HSAs, Student Loan Debt
• HSA Balances Rise Again in 2025
• IRS Unveils Modest Growth for 2026 HSA Contribution Limits