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2022 Open Enrollment Checklist

chalkboard that says open enrollment

2 minute read

For plan years beginning on or after January 1, 2022, employers should be aware of legal changes which may affect the design and administration of their 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 2022:

  • The ACA Affordability percentage for plan years that begin on or after January 1, 2022, has not yet been released. Stay tuned to our blog for updates. The current limit for 2021 is $2,750.
  • The non-HDHP out-of-pocket maximum is $8,700 for self-only, $17,400 family.
  • The HSA Qualified HDHP out-of-pocket maximum is $7,050 for self-only, $14,100 family.
  • The health FSA limits for 2022 have not yet been released. The current limit for 2021 is $2,750. Stay tuned to our blog for updated information regarding this.
  • 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 2022 are:
Type of Limit 2022
HSA Contribution Limit Self-only $3,650
Family $7,300
HSA Catch-up Contributions (not subject to adjustment for inflation) Age 55 or older $1,000
HDHP Minimum Deductible Self-only $1,400
Family $2,800
HDHP Maximum Out-of-pocket Expense Limit (deductibles, copayments and other amounts, but not premiums) Self-only $7,050
Family $14,100


 For more details, download the 2022 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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Nancy Bushard

Nancy Bushard

Nancy Bushard is a firm believer that hard work pays off. True success to her is about providing efficient service and valuable solutions while continually building, refining, and doing the work. Her organized, motivated, and friendly demeanor makes her a great advocate for her customers. As Account Manager for National Insurance Services, Nancy works with schools, cities, and counties in the Midwest Region on their health insurance, wellness plans, benefit communication, and retirement incentives. She oversees new client implementation and meets directly with clients to explain their benefits. Nancy has a strong background in customer service and risk analysis and has been working with employee benefits since 2004. She is a licensed Health and Life insurance agent and is ACA certified.