2027 HDHP minimum deductible rises to $1,750 as HSA limits increase
Key points
- 2027 HDHP minimum deductible: $1,750 self-only and $3,500 family
- Out-of-pocket maximums of $8,700 and $17,400; HSA limits of $4,500 and $9,000
- The pre-deductible telehealth safe harbor is now permanent; direct primary care arrangements can coexist with HSAs from 2026
Per Revenue Procedure 2026-24, the 2027 HDHP minimum deductible rises to $1,750 self-only and $3,500 family, from $1,700 and $3,400. Mercer reports out-of-pocket maximums of $8,700 and $17,400 and HSA limits of $4,500 and $9,000; the age-55 catch-up stays at $1,000.
OBBBA made the pre-deductible telehealth safe harbor permanent and allows direct primary care arrangements with HSAs from 2026. Not legal advice.
What employers should do
- Verify 2027 HDHP and HSA plan deductible and contribution limits
- Update employee benefits materials with the new out-of-pocket maximums and HSA limits
Policy details
- Jurisdiction
- Federal
- Status
- In effect
- Effective date
- 2027-01-01
- Employers covered
- US employers offering HDHP/HSA plans
- Official source
- View official source ↗
Original report: Human Resources Director ↗AI-assisted brief; may contain inaccuracies. Rely on the original reports and official documents. For information only; not legal, immigration or insurance advice.