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Download: 2020 Open Enrollment Checklist

open enrollment checklist

1.5 minute read

For plan years beginning on or after January 1, 2020, the Affordable Care Act (ACA) made some changes which may affect the design and administration of your plans. It’s important to communicate any benefit changes to your employees through an updated summary plan description or a summary of material modifications. Also, the open enrollment period is a good time to distribute any required notices, some of which are required annually or during an employee’s initial enrollment.

Here is a brief overview of some changes for 2020:

  • The ACA Affordability percentage for plan years that begin on or after January 1, 2020, is 9.78%.
  • The non-HDHP out-of-pocket maximum is $8,150 for self-only, $16,300 family.
  • The HSA Qualified HDHP out of pocket maximum is $6,900 for self-only, $13,800 family.
  • The health FSA limits for 2020 have not yet been released. The current limit for 2019 is $2,700. Stay tuned to our blog for updated information regarding this.
  • Employers have two new HRA design options for 2020 – an individual coverage HRA and an excepted benefit HRA.
  • The new HDHP and HSA Limits for 2020 are:

Type of Limit


HSA Contribution limit





HSA Catch-up Contributions

Age 55 or older


HDHP Minimum Deductible





HDHP Maximum Out-of-pocket Expense Limit






For more details, download the 2020 Open Enrollment Checklist.


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Bill Enright

Bill Enright

Bill Enright, Director of Consulting Services for National Insurance Services, Inc. (NIS), coordinates and works with NIS’ Market Development Teams to enhance our full-service employee benefits capabilities. Bill’s expertise enables the NIS team to deliver customized, innovative employee benefits plans for schools, cities, towns, and counties. Bill is a 27+ year industry veteran with employee benefits expertise from insurance carrier to benefits consultant to Director of Consulting Services for NIS. He believes in bottom-line honesty while empowering NIS Consultants and customers with the knowledge they need to feel confident in their decisions. He has been published on the topic of healthcare reform and has served on advisory committees and insurance reform lobbying groups at the state and national level.