HSA Contribution Limit 2027 Calculator
HSA 2027 limits projected: self-only $4,400 (2026: $4,300), family $8,750 (2026: $8,550). Age 55+ adds $1,000 catch-up. Only HDHP-covered months count — prorate if you switch mid-year. Last-month rule lets December coverage cover the full year if you maintain coverage 13 months.
2027 HSA Limits Summary
Self-only $4,400, Family $8,750, Catch-up $1,000 at 55+. HDHP minimum deductible $1,650 self / $3,300 family. Maximum out-of-pocket $8,300 / $16,600. All projected — final IRS Rev Proc late 2026.
Proration for Partial-Year Coverage
If you start HDHP coverage mid-year, contribution prorates: limit × (months covered ÷ 12). Switching from family to self mid-year requires special calculation.
Last-Month Rule
If you have HDHP coverage on December 1, 2027, you can contribute the FULL annual limit. But you must maintain HDHP coverage for the entire next year (testing period 2028) or face income tax + 10% penalty on the excess.
Source and Disclaimer
irs.gov/publications/p969. Projections based on 2026 limits + 2-3% inflation. Verify final amounts October 2026.
Source: irs.gov Publication 969. Last updated: May 2026.