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IRS Announces Increases to HSA & HDHP Contributions for 2019

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The IRS has recently announced the inflation-adjusted contribution limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) will increase for 2019.

Type of Limit

2018

2019

Change

HSA Contribution Limit

Self-only

$3,450

$3,500

Up $50

Family

$6,900

$7,000

Up $100

HSA Catch-up Contributions

(not subject to adjustment for inflation)

Age 55 or older

$1,000

$1,000

No change

HDHP Minimum Deductible

Self-only

$1,350

$1,350

No change

Family

$2,700

$2,700

No change

HDHP Maximum Out-of-pocket Expense Limit

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

Self-only

$6,650

$6,750

Up $100

Family

$13,300

$13,500

Up $200


The new HSA contribution limits will become effective January 1, 2019. Employers may need to update their enrollment materials and communicate the new limits to employees as part of their enrollment process.

The HDHP cost-sharing limits for 2019 will apply for plan years beginning on or after January 1, 2019. Employers may need to make plan design changes for plan years beginning 2019.

Download the bulletin for more details.

You can download our infosheet for the 2018 IRS Contribution Limits. Stay tuned to our blog and we'll post the 2019 limits once they are available.

  Download Infosheet Now

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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Aaron Casper

Aaron Casper

Aaron A. Casper, Employee Benefits Consultant at NIS (National Insurance Services), understands the unique way governmental organizations operate, manage risk and develop budgets; hence, he delivers reliable solutions for his clients without short cuts or temporary fixes. Aaron advocates for his clients and prides himself on building authentic relationships, even passing up potential short-term opportunities if it doesn’t make long-term sense for his clients. His straightforward nature, integrity and astute sense of humor are why his customers consider him a valued strategic resource. Aaron Casper is a licensed insurance agent. He specializes in health insurance consulting for Minnesota schools, cities and counties including fully insured, self-insured, and stop-loss plans. Additionally, he has experience implementing OPEB liability reduction strategies as well as ensuring his clients are ACA compliant.