Higher Deductibles, Bigger HSAs and Tax Changes: How To Choose a Health Plan for 2027

For 2027, health savings account (HSA) contribution limits increase to $4,500 for individuals and $9,000 for families, with higher deductibles required for eligibility. ACA premium tax credits have tightened, potentially raising costs for some. The ACA affordability threshold is 10.22% of household income. When choosing plans, consider premiums, deductibles, copays, out-of-pocket maximums, and tax benefits, not just deductibles. Check coverage details, including networks and prescriptions, before enrolling.