11/02/2026
Wondering if an HSA makes sense for you in 2027? Hereβs what you need to know! β
2027 CONTRIBUTION LIMITS:
$4,500 β self-only coverage
$9,000 β family coverage
Extra $1,000 β if youβre age 55+
And employer contributions count towards these limits.
Generally, to contribute to an HSA, you need to:
β Be on an HSA-eligible health plan with no disqualifying additional coverage
β Not be claimed as a dependent
β Not be enrolled in Medicare
Also, having coverage under a general-purpose health FSA can make you ineligible.
The federal tax benefits of HSAs can be great! But you need to factor the premiums, deductible, out-of-pocket maximums, and employer contributions into your decision.