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A summary of the articles included in the June 2026 edition:
- IRS Unveils New Health Savings Account Limits For 2027
- HSA Assets Climb To $174B as Employee Confusion Persists
- Dying With a Health Savings Account Can Leave a Tax Bomb for Heirs
- HHS Finalizes Sweeping Marketplace Changes, Part 1: Higher Bronze Deductibles And Expansion Of Catastrophic Plans
IRS Unveils New Health Savings Account Limits For 2027
The IRS has released the 2027 contribution limits for health savings accounts, or HSAs, which offer triple-tax benefits for investors.
Starting in 2027, the new HSA contribution limit will be $4,500 for self-only plans, up from $4,400 in 2026, based on the latest inflation adjustments.
The HSA limit for family coverage will also rise in 2027. That cap will jump to $9,000, which is up from $8,750 in 2026, according to the IRS announcement issued on Friday.
HSA Assets Climb To $174B as Employee Confusion Persists
Health savings account assets are expected to grow 12% this year as medical costs rise and more employees invest their contributions.
HSAs held nearly $174 billion across 41.7 million accounts at the end of 2025, according to Devenir’s HSA Market Survey report released last month, a 19% increase from the previous year.
The investment and research firm projects that the HSA market will surpass 49 million accounts and $234 billion in assets by the end of 2028.
Dying With a Health Savings Account Can Leave a Tax Bomb for Heirs
Building up a large balance in a health savings account can be a smart financial move to cover medical expenses in old age.
But dying with a hefty HSA can pose tax problems for heirs — specifically, non-spouse heirs like children, grandchildren, friends and others, according to financial planners.
It’s the “big unknown” that people don’t understand about the tax-advantaged accounts, said Carolyn McClanahan, a certified financial planner and founder of Life Planning Partners in Jacksonville, Florida.
The good news is: There are some ways to avoid the snafu.
HHS Finalizes Sweeping Marketplace Changes, Part 1: Higher Bronze Deductibles And Expansion Of Catastrophic Plans
On May 15, 2026, the U.S. Department of HHS issued a highly anticipated 1,121-page final Notice of Benefit and Payment Parameters rule for 2027 that makes sweeping changes to marketplace coverage under the ACA.
The payment rule is issued on an annual basis to adopt major changes for the next plan year in areas such as the exchanges and the risk adjustment program. This is the second Trump administration’s first full payment notice and generally addresses changes for the 2027 plan year. Historically, the payment rule is issued in the fall and finalized in early spring to give insurers, states, and other stakeholders time to understand and adjust to the rules for the next year. Here, the 2027 payment rule was proposed and finalized far later than normal: in fact, this is the latest-ever calendar date on which HHS has issued a final payment rule.
This year’s final rule is also among the more ambitious rules in terms of the scope and scale of the changes. The final rule touches on topics such as expanded access to catastrophic plans with even higher out-of-pocket costs; new rules for the defrayal of state-mandated benefits; burdensome verification requirements; the elimination of standardized plans; and new policies to implement various provisions of the One Big Beautiful Bill Act (OBBBA). HHS finalized most of the changes in the proposed rule, although it delayed implementation of some of these policies and reduced user fees. Major exceptions—which were not finalized—would have allowed states to establish a new state-based exchange (SBE) known as a new enhanced direct enrollment option and allowed insurers to reduce the percentage of essential community providers that they contract with.