New HSA limits for 2013
There are new health savings account (HSA) limits your plans will have to abide by.
The IRS just announced the latest HSA limits, which have been adjusted to account for inflation, in Revenue Procedure 2012-26.
These are the limits for calendar year 2013:
Annual contribution limits
- Single coverage. The most that can be deducted for an individual with employee-only coverage under a high-deductible health plans (HDHP) is $3,250 — up $150 from 2012.
- Family coverage. The deduction limit for an individual with family HDHP coverage is $6,450 — up $200 from 2012.
Minimum deductible
- Single coverage. The minimum deductible for employee-only HDHP coverage is $1,250 — up $50 from 2012.
- Family coverage. The minimum deductible for family HDHP coverage is $2,500 — up $100 from 2012.
Out-of-pocket maximum
- Single coverage. The maximum amount an employee is allowed to pay out of pocket for employee-only HDHP coverage is $6,250 — up $200.
- Family coverage. The max an employee is allowed to pay for family HDHP coverage is $12,500 — up $400 from 2012.
Note: Out-of-pocket expenses includes deductibles, co-pays and co-insurance — but not premiums.
Info: IRS Revenue Procedure 2012-26.
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