Direct answer: For 2027 you can put up to $4,500 in an HSA with self-only coverage or $9,000 with family coverage, plus $1,000 more if you're 55 or older. Your plan needs a deductible of at least $1,750 ($3,500 family). Starting in 2026, Marketplace bronze and catastrophic plans count as HSA-eligible.
By the numbers: The 2027 limits are $100 (self-only) and $250 (family) higher than 2026's $4,400 and $8,750; a qualifying plan's out-of-pocket maximum can be no more than $8,700 for self-only coverage or $17,400 for family coverage. Source: IRS Rev. Proc. 2026-24 (posted May 29, 2026)
“All Bronze and Catastrophic health plans work with Health Savings Accounts.” — HealthCare.gov, Understanding Health Savings Account-eligible plans
Updated 2026-10-16
$4,500 for self-only coverage and $9,000 for family coverage, up from $4,400 and $8,750 in 2026 (IRS Rev. Proc. 2026-24). People 55 or older by Dec. 31 can add $1,000.
Yes, starting in 2026. Bronze and catastrophic plans offered as individual coverage through the Marketplace are treated as high-deductible plans even if their deductible or out-of-pocket maximum is outside the usual limits (IRS Notice 2026-5). Small-business SHOP bronze plans generally don't qualify automatically.
$1,750 for self-only coverage and $3,500 for family coverage, with an out-of-pocket maximum of no more than $8,700 or $17,400 (IRS Rev. Proc. 2026-24). Marketplace bronze and catastrophic plans count regardless.
No. Your HSA limit is zero starting the first month you're enrolled in any part of Medicare, including backdated coverage (IRS Pub. 969). You can still spend money already in the HSA.
Not if the membership is only primary care for a fixed fee of no more than $150 a month ($300 if it covers more than one person) in 2026 and 2027. Higher fees stop contributions, though the HSA can still pay the fees (IRS Notice 2026-5, Rev. Proc. 2026-24).
Your tax-filing deadline in April 2028. Pub. 969 lets you contribute for a year until the return due date; for 2025 that was April 15, 2026.
Yes, under the last-month rule, if you're eligible on December 1. You must then stay eligible through December of the next year, or the extra is taxed plus a 10% additional tax (IRS Pub. 969).
As of Oct. 16, 2026
Follows IRS Pub. 969's month-by-month rule. Nothing you type leaves your phone.
Use your plan’s Summary of Benefits and Coverage for the deductible and out-of-pocket maximum.
Any of these apply to you?
During open enrollment, check the plan first, then set your payroll amount. If you pick a plan for 2027 that's HSA-eligible (including any Marketplace bronze plan), subtract what your employer puts in from the IRS limit and spread the rest over your paychecks. Pub. 969 treats pre-tax payroll contributions through a cafeteria plan as employer contributions, which generally aren't subject to employment taxes.
The math:
Sources: IRS Rev. Proc. 2026-24 · IRS Notice 2026-5 · IRS Pub. 969
A best fit for the situation described, not financial advice or a buy/sell recommendation. Partner links never change a pick.
| Item | 2026 | 2027 |
|---|---|---|
| HSA contribution limit, self-only | $4,400 | $4,500 |
| HSA contribution limit, family | $8,750 | $9,000 |
| Catch-up, age 55+ (set by law, not indexed) | $1,000 | $1,000 |
| HDHP minimum deductible, self-only | $1,700 | $1,750 |
| HDHP minimum deductible, family | $3,400 | $3,500 |
| HDHP out-of-pocket maximum, self-only | $8,500 | $8,700 |
| HDHP out-of-pocket maximum, family | $17,000 | $17,400 |
| Direct primary care fee cap, per month (1 person) | $150 | $150 |
| Direct primary care fee cap, per month (more than 1) | $300 | $300 |
| Excepted-benefit HRA, newly available | $2,200 | $2,250 |
Sources: IRS Rev. Proc. 2026-24 · IRS Rev. Proc. 2025-19 · IRS Pub. 969. Out-of-pocket maximums include deductibles, copays and coinsurance but not premiums. Bronze and catastrophic Marketplace plans don't have to meet the deductible and out-of-pocket numbers.
“Before the OBBBA was enacted, many bronze plans did not qualify as HDHPs because the plans’ out-of-pocket maximum exceeded the statutory limits for HDHPs or because they provided benefits that were not preventive care without a deductible.” — IRS Notice 2026-5
Sources: IRS Notice 2026-5 · IRS Rev. Proc. 2026-24 · HealthCare.gov
Source: IRS Pub. 969
Why trust this: every number links to the IRS revenue procedure, notice or publication it comes from, with the date we read it. The calculator reproduces IRS Pub. 969's own proration example exactly.
Not tax advice. We republish IRS figures with dates and do the arithmetic on what you type.
$4,500 for self-only coverage and $9,000 for family coverage, up from $4,400 and $8,750 in 2026 (IRS Rev. Proc. 2026-24). People 55 or older by Dec. 31 can add $1,000.
Yes, starting in 2026. Bronze and catastrophic plans offered as individual coverage through the Marketplace are treated as high-deductible plans even if their deductible or out-of-pocket maximum is outside the usual limits (IRS Notice 2026-5). Small-business SHOP bronze plans generally don't qualify automatically.
$1,750 for self-only coverage and $3,500 for family coverage, with an out-of-pocket maximum of no more than $8,700 or $17,400 (IRS Rev. Proc. 2026-24). Marketplace bronze and catastrophic plans count regardless.
No. Your HSA limit is zero starting the first month you're enrolled in any part of Medicare, including backdated coverage (IRS Pub. 969). You can still spend money already in the HSA.
Not if the membership is only primary care for a fixed fee of no more than $150 a month ($300 if it covers more than one person) in 2026 and 2027. Higher fees stop contributions, though the HSA can still pay the fees (IRS Notice 2026-5, Rev. Proc. 2026-24).
Your tax-filing deadline in April 2028. Pub. 969 lets you contribute for a year until the return due date; for 2025 that was April 15, 2026.
Yes, under the last-month rule, if you're eligible on December 1. You must then stay eligible through December of the next year, or the extra is taxed plus a 10% additional tax (IRS Pub. 969).
Not tax advice. Figures are republished from the IRS with dates; confirm with IRS.gov or a tax professional before acting.