HSA-eligible health plans in 2027: What to know about tax savings vs. higher deductibles

CNBC · Stephanie Dhue, Sharon Epperson ·

Many employees are eligible to choose an HSA-eligible high-deductible health plan during open enrollment. Here's what to know before enrolling.

Healthcare affordability was part of the midterm election cost-of-living debate.

It is uncertain how a new Congress might try to address that pain point. Now, as workers choose their 2027 health insurance coverage, millions face a more immediate decision: whether to pick a plan that lets them contribute to a health savings account, or HSA.

The question is whether an HSA-eligible plan with lower premiums and tax benefits is worth the higher deductible and potential out-of-pocket costs.

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