518-373-4111
On May 29, 2026, the IRS released the 2027 annual limits for HSAs and other benefits, with maximums subject to annual change in IRS Revenue Procedure 2026-24.
As businesses try to manage rising health benefit costs, planning ahead using these maximums can be beneficial.
Health savings account (HSA) contribution annual maximums
- Self-coverage only: $4,500 ($100 increase from 2026)
- Family coverage: $9,000 ($250 increase from 2026)
- Annual catch-up contribution maximum remains unchanged at $1,000 for HSA-eligible individuals age 55 or older
High deductible health plan (HDHP) minimums and maximums
- Minimum annual HDHP deductible:
- Self-coverage only: $1,750 ($50 increase from 2026)
- Family coverage: $3,500 ($100 increase from 2026)
- Maximum annual HDHP out-of-pocket expenses (deductibles, copayments, and other nonpremium amounts):
- Self-coverage only: $8,700 ($200 increase from 2026)
- Family coverage: $17,400 ($400 increase from 2026)
Excepted benefit health reimbursement arrangements (EBHRAs)
- Annual maximum of $2,250
Affordable Care Act (ACA) out-of-pocket limits
The ACA’s maximum out-of-pocket limits for plan years beginning in 2027 (as updated in the final rule issued by the Department of Health and Human Services on January 29, 2026) for non-grandfathered health plans are:
- Self-coverage only: $12,000 ($1,400 increase from 2026)
- Family coverage: $24,000 ($2,800 increase from 2026)
Unlike the HDHP out-of-pocket maximums, the ACA out-of-pocket maximums apply to in-network essential health benefits (EHBs).
How GTM Can Help with Your Health Care Costs
The GTM Insurance Agency understands that these cost increases can be concerning. So it’s more important than ever to understand your options and ensure your employees have the coverage they need. We’re here to help you navigate these complexities and explore solutions tailored to your situation. Call us today at (518) 373-4111 or request a complimentary consultation.
If you are looking for guidance on how to best manage your benefits, GTM’s HR consulting services can assist. We will provide consultations on benefits selections and work with your broker to customize the right package for your business. We’ll also work with your employees on benefits advisement and education, as well as enrollment assistance. And we’ll provide benefits administration within your payroll or HRIS platform.
