The $1,000 catch-up if you’re 55 or older
This is the part that matters most for our readers. If you’re age 55 or older by the end of the year, you can contribute an extra $1,000 on top of the standard limit. That brings your 2027 maximum to $5,500 for self-only coverage and $10,000 for a family. Note that the $1,000 catch-up isn’t indexed to inflation, so it stays flat until Congress changes the law.
