Sometimes referred to as a “catastrophic” health insurance plan, an HDHP is an inexpensive health insurance plan that generally doesn’t pay for the first several thousand dollars of health care expenses (i.e., your deductible) but will generally cover you after that. Of course, your HSA is available to help you pay for the expenses your plan does not cover.
For 2027, the lower limit on the annual deductible for an HDHP is $1,750 for self-only coverage and $3,500 for family coverage, up from $1,700 and $3,400 in 2026. The upper limit for out-of-pocket expenses is $8,700 for self-only coverage and $17,400 for family coverage, up from $8,500 and $17,000 in 2026.
| 2027 | 2026 | Change | |
| HDHP minimum deductibles | Self-only: $1,750 Family: $3,500 |
Self-only: $1,700 Family: $3,400 |
Self-only: +$50 Family: +$100 |
| HDHP maximum out-of-pocket amounts (deductibles, co-payments and other amounts, but not premiums) | Self-only: $8,700 Family: $17,400 |
Self-only: $8,500 Family: $17,000 |
Self-only: +$200 Family: +$400 |
You must have an HDHP if you want to open an HSA account.
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