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2027 HDHP Deductibles and OOP Maximums

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The Internal Revenue Service (IRS) has released the 2027 limits for high-deductible health plans (HDHPs). These updates include increases that both employers and employees should keep in mind when planning for next year’s health benefits.

2027 HDHP Requirements

For a plan to qualify as an HDHP and allow Health Savings Account (HSA) contributions, it must meet the following limits:

Minimum Deductibles

The minimum deductible is the amount an employee must pay out of pocket each year before the health plan begins to share in the cost of care.

  • Self-only coverage: $1,750 (+$50 from 2026)
  • Family coverage: $3,500 (+$100 from 2026)

Maximum Out-of-Pocket Costs

The out-of-pocket maximum is the most an employee will pay for covered in-network care during the year.

  • Self-only coverage: $8,700 (+$200 from 2026)
  • Family coverage: $17,400 (+$400 from 2026)

Once the deductible is met during the year, the plan begins sharing costs with the employee through copays and coinsurance.

Copays are set dollar amounts for services like doctor visits or prescriptions. Coinsurance is a percentage of the cost of a covered service that the employee pays, such as paying 20 percent while the plan pays the remaining 80 percent.

Both copays and coinsurance count toward the out-of-pocket maximum. Once the out-of-pocket maximum is reached, the plan covers 100 percent of eligible in-network services for the remainder of the year.

Higher 2027 HSA Contribution Limits

In addition, the IRS has also released increased HSA contribution limits for 2027, which create an opportunity for employees to offset rising healthcare costs with additional tax-advantaged savings. Be sure to review our companion blog, 2027 HSA Contribution Limits and Strategies, to understand how these changes work together.

The 2027 updates continue the trend of gradual increases each year. Staying up to date on these limits helps employers remain compliant and helps employees budget for their healthcare expenses and HSA contributions.

Partnering with Pierce Group Benefits

For more information or guidance on the 2027 HDHP requirements, contact your PGB Account Executive or email partnership@piercegroupbenefits.com.