{"id":142,"date":"2026-10-28T10:00:00","date_gmt":"2026-10-28T10:00:00","guid":{"rendered":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/?p=142"},"modified":"2026-10-28T10:00:00","modified_gmt":"2026-10-28T10:00:00","slug":"hsa-minimums-rise-in-2027","status":"publish","type":"post","link":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/2026\/10\/28\/hsa-minimums-rise-in-2027\/","title":{"rendered":"HSA Minimums Rise in 2027"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/melanie-lipsey\/hsa-open-enrollment-remotion-videos-c2c5\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Open enrollment is a smart time to confirm your health plan still qualifies for HSA contributions, because 2027 minimum deductibles are moving higher.<br \/>\nFor 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.<br \/>\nPlans that barely qualified in 2026 may fail in 2027. Contributing $4.5K while ineligible could mean ~6% penalties, or up to $270.<br \/>\nIn 2027, max contributions rise to $4.5K for singles and $9K for families, with an extra $1K catch-up contribution after age 55.<br \/>\nFederal exchange shoppers can now pair HSAs with Bronze and catastrophic coverage. Open enrollment there runs from Nov. 1 to Jan. 15.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>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. [&hellip;]<\/p>\n","protected":false},"author":260,"featured_media":143,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-142","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/posts\/142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/users\/260"}],"replies":[{"embeddable":true,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/comments?post=142"}],"version-history":[{"count":1,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/posts\/142\/revisions"}],"predecessor-version":[{"id":144,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/posts\/142\/revisions\/144"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/media\/143"}],"wp:attachment":[{"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/media?parent=142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/categories?post=142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.melanielipseywithroyalfinancialempire.com\/blog\/wp-json\/wp\/v2\/tags?post=142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}