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HSA/HDHP Limits Will Increase for 2019

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The IRS recently announced the inflation-adjusted limits for health savings accounts (H.S.A.) and high deductible health plans (HDHP). Effective January 1, 2019, the maximum H.S.A. contribution limit will increase. Additionally, for plan years on or after January 1, 2019, the maximum out-of-pocket expense limit will increase. The minimum deductible amount for HDHP plans remains unchanged.

 

 

Type of Limit

 

2018

 

2019

 

H.S.A. Contribution Limit

Self-Only Coverage

$3,450

$3,500

Family Coverage

$6,900

$7,000


H.S.A. Catch-Up Contribution

 

Age 55 or older

 

$1,000

 

$1,000

 

HDHP Minimum Deductible

Self-Only Coverage

$1,350

$1,350

Family Coverage

$2,700

$2,700

HDHP Maximum Out-of-Pocket Expense Limit

(deductibles, copays, and other amounts but not premiums)

 

Self-Only Coverage

 

$6,650

 

$6,750

 

Family Coverage

 

$13,300

 

$13,500

 

What Employers Should Know

Employers should prepare for possible plan design changes for 2019. In addition, employers should update open enrollment materials to reflect the increased limits.

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