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Consumer Directed Health Plans

The IRS has announced adjustments that affect health savings accounts and high deductible health plans in 2013. The Health Spending Account (HSA) contribution limits and high deductible health plan out-of-pocket maximums have slightly increased for 2013.

HSA contribution limits:

Individuals (self-only coverage)  $3,250 (up $150 from 2012)
Family coverage $6,450 (up $200 from 2012)

HDHP minimum required deductibles:

$1,250 for self-only coverage
$2,500 for family coverage

Out-of-pocket maximum:
(Out-of-pocket expenses include deductibles, co-payments, and other amounts, but not premiums)

$6,250 for self-only coverage
$12,500 for family coverage