2013 HSA Limits

The IRS has announced the inflation-adjusted increases for thresholds applicable to Health Savings Accounts (HSA) and High Deductible Health Plans (HDHP) for 2013.

The Piggy Bank

The 2013 HSA changes are as follows:

  • Maximum HSA Individual Contribution:  $3,250
  • Maximum HSA Family Contribution:  $6,450
  • Catch-up Provision for Ages 55+:  Additional $1,000

The 2013 HDHP changes are as follows:

  • Minimum Individual Deductible:  $1,250
  • Minimum Family Deductible:  $2,500
  • Maximum Individual Out-of-Pocket (OOP):  $6,250
  • Maximum Family OOP:  $12,500

These limits are effective for calendar year 2013.  For HDHPs with non-calendar plan years, the minimum deductible and out-of-pocket limits are those that are in effect on the first day of the plan year.

According to Employee Benefit Research Institute estimates, 8 million Americans had HSAs with more than $12 billion in assets in 2011.