HDHP + HSA Triple Tax 2027 Savings Calculator

Calculate the triple-tax benefit of HSA + HDHP for 2027 — pre-tax contribution, tax-free growth, tax-free medical withdrawal. 5-year comparison to PPO total cost.

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Triple Tax Advantage

1) Pre-tax contribution (Federal + state + FICA if via payroll). 2) Tax-free growth (no annual tax on dividends/gains). 3) Tax-free withdrawal for qualified medical. No other account has all three.

2027 Contribution Limits

Individual: ~$4,400 (estimated, was $4,150 2024). Family: ~$8,750. Catch-up 55+: $1,000. Each spouse 55+ needs own HSA for separate catch-up. Adjusts annually for CPI.

HDHP Required

Must have HDHP (High Deductible Health Plan): deductible ≥ $1,650 single / $3,300 family 2027 (estimated). OOP max ≤ $8,300 single / $16,600 family. Many employer plans qualify — confirm with HR.

Source: irs.gov HSA contribution limits 2026 indexed to 2027. Last updated: May 2026.