How Much Can I Contribute Annually to an HSA?

For 2026, the maximum annual HSA contribution is $4,400 for self-only coverage and $8,750 for family coverage. For 2027, the limits rise to $4,500 for self-only coverage and $9,000 for family coverage.

The Internal Revenue Service (IRS) sets inflation-adjusted contribution, deductible, and out-of-pocket limits for Health Savings Accounts (HSAs) and high-deductible health plans (HDHPs) each year.

These limits are updated annually and reflect cost-of-living adjustments.

HSA catch-up contributions (age 55 or older)

• $1,000 (set by law; it does not change with inflation)

Maximum out-of-pocket limits for HSA eligibility:

• 2026: $8,500 for individual coverage and $17,000 for family coverage
• 2027: $8,700 for individual coverage and $17,400 for family coverage

Minimum deductible requirements for HSA eligibility:

• 2026: $1,700 for self-only coverage and $3,400 for family coverage
• 2027: $1,750 for self-only coverage and $3,500 for family coverage

HSA contribution limits

• 2026: $4,400 for individual coverage and $8,750 for family coverage
• 2027: $4,500 for individual coverage and $9,000 for family coverage

For more detail, see 2027 HSA Contribution Limits.