Health Savings Accounts (HSA) Contribution Limits

The IRS Annouces Infllation Adjustments for 2013 HDHPs & HSA's

The Internal Revenue Service (IRS) recently announced the inflation adjustment for 2013 High Deductible Health Plans (HDHP) and Health Savings Accounts (HSA). These adjustments include maximum HSA contributions, minimum deductible amounts and maximum out-of-pocket limits. The following adjustments apply to the calendar year 2013.

High Deductible Health Plans

And HDHP is defined as a health plan with:

  • An annual deductible that is not less then $1,250 for self-only coverage or $2,500 for family coverage, and
  • The annual out-of-pocket expenses (deductibles, copayments and other amounts, but not premiums) do not exceed $6,250 for self-only coverage or $12,500 for family coverage.

Please not that there are two types of deductibles:

  • An aggregate deductible requires that the entire family deductible must be met before any o9ne person in the family may receive plan benefits.
  • An embedded deductible allows each person with family coverage to receive full benefits after he/she reaches a specified deductible. The minimum embedded deductible is $2,500 in 2013, the same as the minimum family deductible.
Annual 2013 2012
Minimum Individual Deductible $1,250 $1,200
Minimum Family Deductible $2,500 $2,400
Maximum Individual Out-of Pocket (in network) $6,250 $6,050
Maximum Family Out-of Pocket (in network) $12,500 $12,100
Maximum HSA Individual Contribution $3,250 $3,100
Maximum HSA Family Contribution $6,450 $6,250







The 2013 additional HSA catch-up contribution limit (individuals age 55 and older) is the same as 2012- $1,000.
The IRS 2013 minumum embedded deductible is $2,500.

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