Open enrollment is a smart time to confirm your health plan still qualifies for HSA contributions, because 2027 minimum deductibles are moving higher.
For single coverage, the deductible must reach $1.75K in 2027, up from $1.7K. For families, the new minimum becomes $3.5K from $3.4K.
Plans that barely qualified in 2026 may fail in 2027. Contributing $4.5K while ineligible could mean ~6% penalties, or up to $270.
In 2027, max contributions rise to $4.5K for singles and $9K for families, with an extra $1K catch-up contribution after age 55.
Federal exchange shoppers can now pair HSAs with Bronze and catastrophic coverage. Open enrollment there runs from Nov. 1 to Jan. 15.
HSA Minimums Rise in 2027
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