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FSA/HSA/HRA Changes

High-deductible health plans (HDHPs) with HSAs must follow Internal Revenue Service (IRS) rules. HSA plans have minimum deductible and maximum OOP limits.

The IRS issued 2019 inflation adjusted amounts for Health Savings Accounts (HSAs).  This revenue procedure is effective for calendar year 2018.

For self-only coverage (2019)

  • The annual deductible must be at least $1,350 (non-embedded)/$2, 700 (embedded) (same as 2018)
  • The annual out-of-pocket limits may not exceed $6,750 (2018 is $6,650)
  • The annual contribution limits are $3,500 (2018 is $3,450)

For family coverage (2019)

  • The annual deductible must be at least $2,700 (same as 2018)
  • The annual out-of-pocket limits may not exceed $13,500 (2018 is $13, 300)
  • The annual contribution limits are $7,000 (2018 is $6,900)

FSA, HSA, HRA Changes

Learn about changes to these health spending accounts, particularly over-the-counter medications, under the Patient Protection and Affordable Care Act.

For more information

HSA 2018 – 2019 Guidelines  

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