Turning Higher HSA Limits into Greater Engagement
The IRS’ recent announcement of higher 2027 health savings account (HSA) contribution limits presents a valuable opportunity for your financial organization. It’s the perfect time to boost your efforts to help HSA owners better understand and maximize one of the most powerful savings vehicles available today.
For 2027, eligible individuals with a self-only high deductible health plan (HDHP) can contribute up to $4,500. Individuals with a family HDHP can contribute up to $9,000, providing even greater potential for tax-advantaged savings. Individuals age 55 and older may contribute an additional $1,000 in catch-up contributions.
At the same time, recent industry data shows that HSAs continue to gain momentum as both healthcare and long-term savings tools. According to the 2025 Year-End Devenir HSA Research Report, the HSA market reached 41.7 million accounts holding nearly $174 billion in assets at the end of 2025, with assets growing 19 percent year over year.
The Education Gap Remains
While HSA adoption continues to grow, many consumers still view their HSA primarily as a checking account for healthcare expenses. They often don’t fully understand the account’s tax advantages, long-term savings potential, or investment opportunities.
This knowledge gap represents a significant opportunity for financial organizations to deepen relationships with HSA owners by providing timely, relevant education that helps them make informed decisions.
The data suggests that consumers who understand HSAs are more likely to use them strategically. In 2025, HSA owners contributed nearly $60 billion while withdrawing approximately $45 billion, leaving about $15 billion in net new assets in the system.
In addition, HSA investment assets reached nearly $85 billion, a 33 percent increase from the previous year, demonstrating growing consumer interest in using HSAs as long-term savings and investment accounts (2025 Year-End Devenir HSA Research Report).
Helping Consumers Unlock HSA Potential
Financial organizations are uniquely positioned to help HSA owners understand how HSAs can support both current healthcare expenses and future financial goals.
With higher 2027 contribution limits, now is an ideal time to remind HSA owners about the benefits of increasing their contributions.
To help our financial partners to meet this need, Ascensus offers a variety of consumer-focused educational resources designed to improve HSA understanding and engagement. These resources can help you strengthen your relationships with your clients and grow your HSA program.
Lobby Brochures and eBrochures
Ascensus can help your clients with educational resources. We offer lobby brochures and eBrochures. Our professionally designed and printed brochures can be used as they are, or you can contact your Ascensus sales representative to have them branded for your financial organization. Lobby brochures may be ordered online. They are also available through a copyright license agreement.
Our digital lobby brochures, or eBrochures, can be added to your organization’s website as viewable PDFs. They provide your online banking clients with the same quality educational brochures that they would receive when visiting your branch office. If you are an Ascensus Fully-Administered and Self-Administered client, you have exclusive access to Ascensus’ complete library of eBrochures. Our eBrochures are automatically updated for you online throughout the year as new guidance or updates occur. Simple use the HTML code we provide for each eBrochure to post them on your website and any regulatory or cost-of-living-adjustment updates will automatically be applied.
Our Fall 2026 Seminars
We can also help educate your team. Available both virtually and onsite, our HSA training opportunities provide you with the knowledge and professional development to educate your clients about HSAs. Visit the Academy to see a list of our educational offerings. Our HSA courses include HSA University, HSA Fundamentals, Virtual HSAs A-Z Workshop, HSAs-Advanced, HSAs: Top 10 Wrap-up (2026 Edition), and HSAs and Medicare.
Purchase an HSA Manual
Ascensus also offers our popular manuals to help answer your staff’s tough HSA questions. Health Savings Account Compliance & Operations Manual and Desktop Guide to Health Savings Accounts are updated as of June 2026 and available for purchase from our website.
Contact Us
With the support of Ascensus educational services, financial organizations can help HSA owners make smarter decisions, build stronger savings habits, and take advantage of the ever-expanding opportunities available through HSAs.
For more information about our consumer-focused education or HSA educational offerings, contact your Ascensus sales representative at salessupport@ascensus.com.
