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2023 Open Enrollment Checklist

2023 open enrollment checklist

1.5 minute read

For plan years beginning on or after January 1, 2023, employers should be aware of legal changes affecting 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 2023:

  • The ACA Affordability percentage for plan years that begin on or after January 1, 2023, has not been released yet. Stay tuned to our blog for updates. The current adjusted percentage for 2022 is 9.61%.
  • The non-HDHP out-of-pocket maximum is $9,100 for self-only, $18,200 family.
  • The HSA Qualified HDHP out-of-pocket maximum is $7,500 for self-only, $15,000 family.
  • The health FSA limits for 2023 have not been released yet. The current limit for 2022 is $2,850. Stay tuned to our blog for updates.
  • The new HDHP and HSA Limits for 2023 are:
Type of Limit 2023
HSA Contribution Limit Self-only $3,850
Family $7,750
HSA Catch-up Contributions (not subject to adjustment for inflation) Age 55 or older $1,000
HDHP Minimum Deductible Self-only $1,500
Family $3,000
HDHP Maximum Out-of-pocket Expense Limit (deductibles, copayments and other amounts, but not premiums) Self-only $7,500
Family $15,000


Download the 2023 Open Enrollment Checklist for more details.

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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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Steve Smith

Steve Smith

Steve Smith, Employee Benefits Consultant for National Insurance Services, has his energy level permanently set at “high.” His maxim is “work hard, play hard.” Steve’s an expert in getting groups of people working together for a higher cause. Minnesota schools, cities, and counties rely on Steve’s unique and creative ideas of engaging employees in their own health and wellness to lower utilization trends. He has 20+ years in the health insurance field doing compliance, cost mitigation, utilization, analytics, wellness plans, and strategic planning. Steve is a licensed insurance agent and holds the designations for Managed Healthcare Professional (The Health Insurance Association of America), Certified Patient Protection and Affordable Care Act Professional (National Association of Health Underwriters), and Group Benefits Disability Specialist (Hartford School of Insurance). He specializes in Employee Benefits Consulting for Minnesota schools, cities, and counties including fully insured, self-insured, and stop-loss plans.