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2021 Open Enrollment Checklist

2021 open enrollment

2 minute read

For plan years beginning on or after January 1, 2021, 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 2021:

  • The ACA Affordability percentage for plan years that begin on or after January 1, 2021, is 9.83%.
  • The non-HDHP out-of-pocket maximum is $8,550 for self-only, $17,100 family.
  • The HSA Qualified HDHP out of pocket maximum is $7,000 for self-only, $14,000 family.
  • The health FSA limits for 2021 is $2,750.
  • Employers have two new HRA design options for plan years that begin on or after January 1, 2020 – an individual coverage HRA (ICHRA) and an excepted benefit HRA (EBHRA).
  • The new HDHP and HSA Limits for 2021 are:

Type of Limit


HSA Contribution limit





HSA Catch-up Contributions

(not subject to adjustment for inflation)

Age 55 or older


HDHP Minimum Deductible





HDHP Maximum Out-of-pocket Expense Limit

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






For more details, download the 2021 Open Enrollment Checklist.

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National Insurance Services is not a law firm and no opinion, suggestion, or recommendation of the firm or its employees shall constitute legal advice. Readers are advised to consult with their own attorney for a determination of their legal rights, responsibilities and liabilities, including the interpretation of any statute or regulation, or its application to the readers’ business activities.

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Rick Labian

Rick Labian

Rick Labian lives by the Golden Rule – he is guided by what is best for his clients and treats others as he would like to be treated. Rick acts as an advisor and advocate for his clients, helping identify goals for their benefit programs and building a strategic plan together. Rick has a rich history with NIS. He has worked for NIS for over 20 years, leading the Eastern region. Rick is the Manager and leads the FBC Client Management Team. Rick’s leadership and experience aids our internal staff and all of NIS’ FBC clients. Rick is a licensed insurance agent and is ACA certified through the National Association of Health Underwriters.