Guides › 2027 Health FSA Limit Not Announced: What to Do Now
2027 Health FSA Limit Not Announced: What to Do Now
Educational information only. Not tax, legal or financial advice. We are not the IRS. Check IRS.gov and your plan documents. Last checked: October 17, 2026. Examples use made-up numbers. Anything marked expected should be re-checked.
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Short answer: Revenue Procedure 2026-24 sets the 2027 HSA and HDHP figures, but we found no IRS announcement of the 2027 health FSA salary-reduction limit or carryover as of October 17, 2026. The latest official figures are for 2026: $3,400 salary reduction and $680 maximum carryover (Revenue Procedure 2025-32). Don't treat them as 2027 limits.
Evidence level: the "not yet announced" status comes from web search results dated October 4 to 15, 2026 (employer and benefits sites); we did not find a primary IRS statement saying "not announced". The IRS usually publishes annual adjustments in the autumn (secondary source).
What to check during open enrollment
- Your plan's 2027 limit: employers may publish "to be confirmed" figures.
- Whether your plan offers carryover or a grace period (a plan can't offer both, per Publication 969 as summarised in our other guide: carryover vs grace period).
- If you have an HSA, whether you need a limited-purpose FSA (guide).
- How to change your election if the limit is announced after you elect. Rules vary by employer; check your plan documents.
Our update plan
We will update this page when the IRS publishes the figure. We use "expected" for anything not yet announced.
FAQ
Will the 2027 limit be higher? Unknown; we do not forecast.
Does the HSA limit change affect FSAs? No; they are separate.
What we could not verify
- A primary IRS source stating that the 2027 FSA limit has not been issued (search-based).
- Plan-specific election change rules.
Sources (official)
- IRS, Publication 969 (2025), Health Savings Accounts and Other Tax-Favored Health Plans — https://www.irs.gov/publications/p969 (read in part October 17, 2026; the 2026 edition was not yet posted)
- IRS, Revenue Procedure 2025-32 (2026 FSA $3,400, carryover $680; read earlier in this project, see INDEX) — https://www.irs.gov/pub/irs-drop/rp-25-32.pdf
- IRS, Revenue Procedure 2026-24 (2027 HSA limits; read earlier in this project) — https://www.irs.gov/pub/irs-drop/rp-26-24.pdf
Not tax/financial advice. Examples use made-up figures and have not been reviewed by a tax professional. See the disclosure.