# CPF MediSave limits & Basic Healthcare Sum (BHS) 2027

The **Basic Healthcare Sum (BHS)** is the maximum balance a CPF member can hold in their **MediSave Account (MA)** to provide for basic subsidised healthcare needs in old age ([CPF Board](https://www.cpf.gov.sg/service/article/what-is-the-basic-healthcare-sum)).

- **For members below age 65**: The prevailing BHS is adjusted every January. In 2026, the prevailing BHS is **$79,000** ([MOH & CPF Board](https://www.moh.gov.sg/newsroom/cpf-interest-rates-from-1-january-to-31-march-2026-and-basic-healthcare-sum-for-2026/)). MOH and CPF announce the 2027 prevailing BHS ahead of 1 January 2027.
- **For members turning 65**: Once you reach age 65, your cohort BHS is **fixed for the rest of your life** and never increases further.

## Cohort Basic Healthcare Sum (BHS) by birth year

From [CPF Board's official cohort table](https://www.cpf.gov.sg/service/article/what-is-the-basic-healthcare-sum):

| Birth year | Year cohort turned 65 | Cohort BHS (fixed for life) |
|---|---|---|
| **1962** | **2027** | Pending announcement by MOH & CPF before 1 Jan 2027 (2026 baseline: $79,000) |
| 1961 | 2026 | **$79,000** |
| 1960 | 2025 | **$75,500** |
| 1959 | 2024 | **$71,500** |
| 1958 | 2023 | **$68,500** |
| 1957 | 2022 | **$66,000** |
| 1956 | 2021 | **$63,000** |
| 1955 | 2020 | **$60,000** |
| 1954 | 2019 | **$57,200** |
| 1953 | 2018 | **$54,500** |
| 1952 | 2017 | **$52,000** |
| 1951 or earlier | 2016 or earlier | **$49,800** |

## MediSave contribution allocation rates by age (2027)

For citizens and third-year-or-later PR employees on full rates with monthly wages above $750, the following approximate shares go into MediSave. Amounts at the $8,000 Ordinary Wage ceiling are rounded; CPF computes allocation using ratios of the total CPF contribution ([2027 allocation table](https://www.cpf.gov.sg/content/dam/web/employer/employer-obligations/documents/jan2027cpfallocationrates.pdf)).

| Employee's age | MediSave allocation (% of wage) | Monthly MediSave contribution at $8,000 wage ceiling |
|---|---|---|
| 35 and below | **8%** | **$640/mo** |
| Above 35 to 45 | **9%** | **$720/mo** |
| Above 45 to 50 | **10%** | **$800/mo** |
| Above 50 | **10.5%** | **$840/mo** |

## What happens when your MediSave reaches the BHS cap? (Why HDB buyers care)

Once your MediSave Account reaches your Basic Healthcare Sum, new MediSave contributions above the cap are redirected ([CPF MediSave overflow rules](https://www.cpf.gov.sg/member/infohub/educational-resources/2-things-you-should-know-about-your-medisave-savings-once-it-reaches-the-basic-healthcare-sum)):

1. **Below age 55**: Overflow goes to your **Special Account (SA)** until your SA reaches the Full Retirement Sum (FRS). If your SA has already reached the FRS through top-ups and interest, the overflow goes into your **Ordinary Account (OA)** — where it can be used to pay your **HDB BTO or resale downpayment and monthly mortgage instalments**.
2. **Age 55 and above**: Overflow goes to your **Retirement Account (RA)** up to your cohort Full Retirement Sum. Once your RA reaches the FRS, the overflow goes into your **Ordinary Account (OA)**.

See also our [2027 CPF contribution rates calculator](https://btoradar.com/2027/cpf-contribution-rates) and [BTO downpayment & EHG calculator](https://btoradar.com/tools/bto-downpayment).

Sources: [CPF Board — Basic Healthcare Sum](https://www.cpf.gov.sg/service/article/what-is-the-basic-healthcare-sum), [Ministry of Health](https://www.moh.gov.sg/newsroom/cpf-interest-rates-from-1-january-to-31-march-2026-and-basic-healthcare-sum-for-2026/), [CPF MediSave overflow guide](https://www.cpf.gov.sg/member/infohub/educational-resources/2-things-you-should-know-about-your-medisave-savings-once-it-reaches-the-basic-healthcare-sum). Checked 5 November 2026.