Your personal AI for understanding and tracking your personal finance.
Your personal AI for understanding and tracking your personal finance.
The HSA is the only account that is tax-deductible going in, tax-free while growing, and tax-free coming out. See how much yours could be worth at age 65.
The 2027 HSA contribution limit is $4,500 for self-only coverage and $9,000 for family coverage, plus a $1,000 catch-up contribution at age 55 or older — set by IRS Rev. Proc. 2026-24, published 29 May 2026. For 2026, the year most people are contributing for now, the limits are $4,400 self-only and $8,750 family (Rev. Proc. 2025-19). Employer contributions count toward your limit rather than sitting on top of it, and after age 65 HSA funds can be withdrawn for any purpose without penalty — income tax applies to non-medical use, exactly like a Traditional IRA.
📋 Educational tool only. Requires HDHP enrollment. Not financial or tax advice.
2026 limits: $4,400 self-only · $8,750 family · Rev. Proc. 2025-19
💎 Invest Strategy
$606,565
Max contributions, pay medical out-of-pocket
Optimal💊 Spend Strategy
$415,677
Use HSA for medical expenses as they arise
The invest strategy produces $190,888 more by age 65 — pay medical bills out of pocket and let your HSA compound tax-free.
Tax Saved Per Year
$968
Lifetime Tax Savings
$31,944
Total Contributions
$145,200
Investment Growth
$456,365
Richify AI coordinates your HSA with your 401(k) and IRA to maximize all three tax-advantaged accounts simultaneously.
Optimize Your Tax Strategy — FreeThree years side by side, because the limit that applies to you is the limit for the year the contribution is for — not the year you make it. A 2026 contribution can be made up to 15 April 2027 and is still governed by the 2026 ceiling.
| Year | Self-Only | Family | 55+ Catch-Up | Source |
|---|---|---|---|---|
| 2025 | $4,300 | $8,550 | $1,000 | Rev. Proc. 2024-25 |
| 2026 | $4,400 | $8,750 | $1,000 | Rev. Proc. 2025-19 |
| 2027 (new) | $4,500 | $9,000 | $1,000 | Rev. Proc. 2026-24 |
The $1,000 catch-up is fixed by statute (§ 223(b)(3)(B)) and is not indexed for inflation, which is why it has not moved in any of these years.
You can only contribute to an HSA while you are covered by a qualifying High Deductible Health Plan. A plan qualifies if its annual deductible is at least the minimum below and its out-of-pocket maximum is no more than the cap below. Both tests must pass — a plan with a high deductible but an out-of-pocket maximum above the cap is not an HDHP.
| Year | Min. deductible (self) | Min. deductible (family) | Out-of-pocket max (self) | Out-of-pocket max (family) |
|---|---|---|---|---|
| 2025 | $1,650 | $3,300 | $8,300 | $16,600 |
| 2026 | $1,700 | $3,400 | $8,500 | $17,000 |
| 2027 | $1,750 | $3,500 | $8,700 | $17,400 |
Out-of-pocket figures count deductibles, co-payments and other amounts, but not premiums.
Yes, since 2026 — and this is new. A direct primary care membership used to count as disqualifying health coverage, so paying a monthly retainer to a DPC practice could knock you out of HSA eligibility entirely. Section 71308 of the One, Big, Beautiful Bill Act added § 223(c)(1)(E) to the Code, which stops a direct primary care service arrangement from being treated as a health plan for that test, provided the fees stay inside a monthly cap. For 2027 the cap is $150 a month where the arrangement covers one individual, or $300 a month where it covers more than one. The provision applies to months beginning after 31 December 2025, so 2026 was the first year a DPC membership and HSA contributions could coexist. The caps are inflation-adjusted for months beginning after 31 December 2026; the IRS held them at $150 / $300 for 2027 in the same revenue procedure that set the contribution limits.
1️⃣
Tax-Free Going In
Contributions are pre-tax or tax-deductible
2️⃣
Tax-Free Growing
Investment gains are never taxed inside HSA
3️⃣
Tax-Free Coming Out
Medical withdrawals tax-free at any age
For calendar year 2027 the HSA contribution limit is $4,500 for self-only coverage and $9,000 for family coverage, set by IRS Rev. Proc. 2026-24. If you are 55 or older you can add a $1,000 catch-up contribution, taking the ceiling to $5,500 self-only or $10,000 family. These limits are the combined total of your own contributions and anything your employer puts in — employer contributions count against your limit, they are not on top of it.
For calendar year 2026 the limit is $4,400 for self-only coverage and $8,750 for family coverage, plus the same $1,000 catch-up at 55 or older, set by IRS Rev. Proc. 2025-19. This is the year you are contributing for right now: the 2026 limit governs contributions made through 15 April 2027, and the 2027 limit does not apply to any 2026 contribution.
Yes — you must be covered by a qualifying High Deductible Health Plan. For 2027 an HDHP must carry an annual deductible of at least $1,750 for self-only coverage or $3,500 for family coverage, with annual out-of-pocket expenses capped at $8,700 self-only or $17,400 family. The 2026 thresholds are $1,700 / $3,400 and $8,500 / $17,000. You also cannot have other non-HDHP health coverage, be enrolled in Medicare, or be claimed as a dependent on someone else's return.
No — not since 2026. The One, Big, Beautiful Bill Act added § 223(c)(1)(E), which stops a direct primary care service arrangement (DPCSA) from counting as disqualifying health coverage as long as the fees stay within a monthly cap. For 2027 that cap is $150 a month for an arrangement covering one person, or $300 a month if it covers more than one. The rule applies to months beginning after 31 December 2025, so 2026 was the first year a DPC membership and an HSA could coexist.
An HSA gives you three distinct tax benefits: contributions are tax-deductible (pre-tax through payroll or an above-the-line deduction), growth is tax-free — dividends, interest and capital gains inside the HSA are never taxed — and withdrawals for qualified medical expenses are tax-free at any age. No other US account does all three. After age 65 you can withdraw for any purpose: non-medical withdrawals are taxed as ordinary income like a Traditional IRA, but the 20% penalty no longer applies.
Investing generally wins if you can afford to pay current medical bills from cash flow. Pay out of pocket, keep the receipts, and let the HSA compound tax-free — there is no deadline for reimbursing yourself, so a receipt from today can fund a withdrawal decades from now. The calculator above prices this trade-off directly: it runs both strategies to age 65 and shows the gap. If your cash flow cannot absorb the medical spending, using the HSA is the right call and the shortfall is the cost of that liquidity.
Last updated 11 August 2026 · Sources: IRS Rev. Proc. 2026-24 (2027 limits, 29 May 2026) · Rev. Proc. 2025-19 (2026) · Rev. Proc. 2024-25 (2025) · Public Law 119-21 § 71308 (DPCSA).
For calendar year 2027 the HSA contribution limit is $4,500 for self-only coverage and $9,000 for family coverage, set by IRS Rev. Proc. 2026-24.
If you are 55 or older you can add a $1,000 catch-up contribution, taking the ceiling to $5,500 self-only or $10,000 family. These limits are the combined total of your own contributions and anything your employer puts in — employer contributions count against your limit, they are not on top of it.
For calendar year 2026 the limit is $4,400 for self-only coverage and $8,750 for family coverage, plus the same $1,000 catch-up at 55 or older, set by IRS Rev. Proc. 2025-19.
This is the year you are contributing for right now: the 2026 limit governs contributions made through 15 April 2027, and the 2027 limit does not apply to any 2026 contribution.
Yes — you must be covered by a qualifying High Deductible Health Plan. For 2027 an HDHP must carry an annual deductible of at least $1,750 for self-only coverage or $3,500 for family coverage, with annual out-of-pocket expenses capped at $8,700 self-only or $17,400 family.
The 2026 thresholds are $1,700 / $3,400 and $8,500 / $17,000. You also cannot have other non-HDHP health coverage, be enrolled in Medicare, or be claimed as a dependent on someone else's return.
No — not since 2026. The One, Big, Beautiful Bill Act added § 223(c)(1)(E), which stops a direct primary care service arrangement (DPCSA) from counting as disqualifying health coverage as long as the fees stay within a monthly cap.
For 2027 that cap is $150 a month for an arrangement covering one person, or $300 a month if it covers more than one. The rule applies to months beginning after 31 December 2025, so 2026 was the first year a DPC membership and an HSA could coexist.
An HSA gives you three distinct tax benefits: contributions are tax-deductible (pre-tax through payroll or an above-the-line deduction), growth is tax-free — dividends, interest and capital gains inside the HSA are never taxed — and withdrawals for qualified medical expenses are tax-free at any age. No other US account does all three.
After age 65 you can withdraw for any purpose: non-medical withdrawals are taxed as ordinary income like a Traditional IRA, but the 20% penalty no longer applies.
Investing generally wins if you can afford to pay current medical bills from cash flow. Pay out of pocket, keep the receipts, and let the HSA compound tax-free — there is no deadline for reimbursing yourself, so a receipt from today can fund a withdrawal decades from now.
The calculator above prices this trade-off directly: it runs both strategies to age 65 and shows the gap. If your cash flow cannot absorb the medical spending, using the HSA is the right call and the shortfall is the cost of that liquidity.
