HSA Contribution Calculator: Your 2026 and 2027 Limit
How much you can put in your health savings account depends on your coverage, your age, the months you were eligible and what your employer adds. Starting Medicare or Social Security mid-year cuts it further. Work out your limit, and whether the last-month rule is worth the risk.
Work out your limit
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Uses the IRS limits for 2026 and 2027 and the rules in IRS Publication 969. It assumes the same coverage type all the months you were eligible. Nothing you type leaves your browser.
The 2026 and 2027 limits
| 2026 | 2027 | |
|---|---|---|
| Self-only coverage | $4,400 | $4,500 |
| Family coverage | $8,750 | $9,000 |
| Catch-up, age 55+ | $1,000 | $1,000 |
| Minimum deductible, self-only / family | $1,700 / $3,400 | $1,750 / $3,500 |
| Out-of-pocket maximum, self-only / family | $8,500 / $17,000 | $8,700 / $17,400 |
Source: IRS Rev. Proc. for each year (linked below). The limit covers everything that goes into your HSA for the year: your payroll and direct contributions and your employer’s.
Part-year eligibility: pro rata vs. the last-month rule
You’re eligible for a month if, on the first day of that month, you have an HSA-eligible plan and no other health coverage that disqualifies you, aren’t enrolled in Medicare, and can’t be claimed as someone else’s dependent. If you’re eligible only part of the year, the standard limit is one-twelfth of the yearly limit for each eligible month. The catch-up is prorated the same way.
The last-month rule is the exception. If you’re eligible on December 1, the IRS treats you as eligible for the whole year, so you can contribute the full amount even if your coverage started in, say, October. In exchange you must stay eligible through December 31 of the next year. If you don’t (for reasons other than death or disability), the extra amount the rule allowed becomes taxable income and owes a 10% additional tax.
Employer money counts
Your employer’s HSA deposits, and the pre-tax money you put in through a cafeteria plan at work, all count toward the same limit. If your employer puts in $4,500 for self-only coverage in 2027, you can’t add anything. Check your last pay stub of the year or your HSA statement before you make a direct contribution.
Stopping before Medicare
Your limit drops to zero starting with the first month you’re enrolled in any part of Medicare. If you sign up for Medicare after 65, premium-free Part A starts up to 6 months before the month you apply, but not before the month you turned 65. Starting Social Security benefits after 65 enrolls you in Part A with the same look-back. Contributions for those months are excess contributions. The safe plan is to make your last contribution, and have your employer stop theirs, at least 6 months before you apply. Our working past 65 guide covers the rest of the timing.
Questions
What is the 2027 HSA contribution limit?
$4,500 for self-only coverage and $9,000 for family coverage, plus $1,000 if you’re 55 or older by the end of the year.
Does my employer’s contribution count toward the limit?
Yes. Everything that goes into the account for the year counts, from you, your employer or anyone else.
When is the deadline to contribute for a year?
Your tax filing deadline for that year, usually April 15 of the next year.
What if I put in too much?
Take out the excess and its earnings by your tax return’s due date, including extensions. Otherwise it owes a 6% excise tax each year it stays in the account.
Can I contribute with a Marketplace plan?
From 2026, bronze and catastrophic plans offered through the Marketplace count as HSA-eligible (Notice 2026-05).
Sources
- IRS, 2027 HSA limits — irs.gov PDF; 2026 HSA limits — irs.gov PDF.
- IRS Publication 969 (last-month rule, testing period, employer contributions, Medicare, spouses, excess contributions) — irs.gov, checked October 28, 2026.
- Medicare.gov, “When does Medicare coverage start?” (Part A retroactive coverage) — medicare.gov.
- IRS, bronze and catastrophic plans as HSA-compatible (Notice 2026-05) — irs.gov.
Educational estimate, not tax advice. Your HSA custodian and tax return settle what you can contribute. · Advertiser disclosure