Make the HSA limit match your actual eligible months.
Model partial-year eligibility, coverage changes, employer deposits, Medicare backdating, and the last-month rule. Inputs stay in your browser.
Find your available HSA room
Final IRS limits, kept by tax year
self-only
family
self-only
family
The annual limit is only the starting point.
Eligibility is measured month by month. Employer contributions and your own deposits share one limit, while Medicare can reach backward.
Read the calculation method →Map every eligible month
Apply the coverage type in effect on the first day of each month, including midyear coverage changes.
Combine every contribution source
Employer deposits, payroll deductions, and direct contributions all use the same federal limit.
Test Medicare and special rules
Check Part A backdating, the age-55 catch-up, and the last-month rule testing period before acting.
The traps behind the annual limit
2026 and 2027 HSA limits in one table
Compare contribution limits, HDHP minimum deductibles, and out-of-pocket maximums from the controlling IRS revenue procedures.
Read guide →MedicareWhen to stop HSA contributions before Medicare
Estimate the last HSA-eligible month when premium-free Medicare Part A may begin retroactively.
Read guide →EligibilityHSA last-month rule and the testing period
See when December 1 eligibility can unlock a full-year limit and when losing eligibility creates income plus a 10% additional tax.
Read guide →