On May 29, 2026, the IRS released an annual update in their Revenue Procedure 2026-24 document. This provides inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) for the following year (2027). These reports are published by the IRS no later than June 1^st of each year.

Limits to the following are included in the report and vary based on self-only or family coverage under an HDHP:

• Maximum HSA Contribution Limit
• Minimum deductible amounts for HDHPs
• Maximum out-of-pocket expense limit for HDHPs

For Individuals:

For those with self-only HDHPs, you will be able to contribute up to $4,500 to an HSA for 2027; that is a total increase of $100 from 2026. Your minimum deductible amount for coverage increases to $1,750, a $50 increase from the previous year. And for your maximum out-of-pocket, the limit increased to $8,700, up $200 from 2026. In short, you’re able to contribute more to your HSA, but your overall deductible and out-of-pocket maximums are up by varying amounts.

For Families:

For those with family HDHP coverage, your HAS contribution maximum has increased from $8,750 in 2026 to $9,000 in 2027—a $250 increase in possible contributions. However, your minimum deductible amount has been increased to $3,500, up from $3,400 the previous year. Lastly, your out-of-pocket maximum has increased from $17,000 to $17,400. Altogether, the same trends for individuals apply to families, but the numbers are larger across the board for contributions, minimum deductibles, and out-of-pocket maximums.

For Employers:

Employers who are sponsoring HDHPs should review their plans’ cost-sharing limits. Ensure that your communication with employees includes the new update going into the new year, and that your benefits model is prepared to adapt to these new limits. Additionally, to prevent tax issues for employees, review your benefits election processes with employees and work with your payroll solution to ensure that pre-tax HSA contributions fall within the IRS’ adjusted limits as closely as possible.

Conclusion

While these updates are commonly provided year-over-year, it’s imperative that as an employee or an employer, you stay knowledgeable and prudent in the benefits you receive or provide. As your trusted partner, Bryson is here to help make sure your benefits are supporting you by keeping you informed and up-to-date on everything relevant to your success.