HSA News for June 1, 2026
HSA news is compiled weekly by Mr. HSA, Roy Ramthun.
News from Washington
IRS Unveils New Health Savings Account Limits for 2027
The IRS has released the 2027 contribution limits for HSAs which will rise to $4,500 for individuals with self-only coverage and $9,000 for individuals with family coverage. The minimum deductibles and out-of-pocket limits that apply to all HSA-qualified plans other than individual market Bronze and Catastrophic plans also rose slightly for 2027.
Compliance Corner
Your Company's Wellness Program Probably Isn't Disqualifying. But Check.
My employer has introduced a wellness program for employees. Will this program disqualify me from contributing to my HSA? It depends on the content of the program. A wellness program that offers select preventive care not applied to the deductible or that does not provide substantial medical benefits is not disqualifying.
Market Trends
Some Employers Are Putting Health Insurance in Workers’ Hands. Here’s How It’s Going.
In an era when eye-popping healthcare premiums are prompting employers to take a hard look at their benefits, some are considering giving their employees money to buy their own through an ICHRA. Still a fairly nascent strategy, nationwide about 200,000 employees and their dependents were given the option to enroll in an ICHRA in 2025.
HSAs & Retirement
The Triple Tax Free HSA Account High Earners Are Funding Before Maxing Their 401(k)
HSAs are the only vehicle that is deductible going in, tax free while it compounds, and tax free coming out for qualified medical expenses at any age. Every other account gives you two of those three. Most people treat it like a checking account for copays. Those who flip that script can build a six-figure stockpile that funds Medicare premiums, long-term care, and ordinary retirement income after 65.
For Retirees, Healthcare Costs Are Eating 1 in Every 6 Dollars
In a recent survey, retirees said they spend an average of 16% of their monthly income on healthcare costs. 58%) of retirees said they expected Medicare to cover a greater share of their medical expenses. The federal health insurance program may pay only a portion of people's medical expenses, as there's no out-of-pocket limit under traditional Medicare.
Maximizing Your HSA
The Mid-Year HSA Adjustment No One Remembers to Mention
HSA contributions can be changed at any time during the plan year. No qualifying life event required. No approval process. No waiting period. It stands in direct contrast to FSAs, where mid-year changes are restricted to qualifying life events. That distinction is meaningful, and most participants have no idea it exists.
Consumer-Driven Health Care
Healthcare Consumerism Alone Didn’t Bend the Cost Curve. Here’s What It’s Missing.
The next generation of plan design is focused on redesigning the system so patients are supported by actionable information and better-aligned financial features. The goal is not to teach members to behave like sophisticated buyers in a market they can’t navigate. The goal is to align financial levers so that high-quality care becomes the default.