2020 HSA & HDHP limits
May 30, 2019The IRS recently released Health Savings Account (HSA) and High Deductible Health Plan (HDHP) limits for 2020.
Health Savings Accounts
For 2020, the HSA maximum annual contribution for self-only HDHP enrollment increases by $50 and family increases by $100.
| Maximum Annual Contribution | 2019 | 2020 |
| Self-Only Enrollment | $3,500 | $3,550 |
| Family Enrollment | $7,000 | $7,100 |
| Catch-Up Age 55+ | $1,000 | $1,000 |
Note that the annual contribution limits are pro-rated for each month an employee is enrolled in an HDHP.
High Deductible Health Plans
In 2020, there will be slight increases in the HDHP minimum deductible and maximum out-of-pocket, as well as the ACA maximum out-of-pocket. Plans must comply upon renewal.
| Deductible & Out-of-Pocket Limits | 2019 | 2020 | ||
| HDHP | Minimum Deductible | Self-Only | $1,350 | $1,400 |
| Family | $2,700 | $2,800 | ||
| Maximum Out-of-Pocket | Self-Only | $6,750 | $6,900 | |
| Family | $13,500 | $13,800 | ||
| ACA | Maximum Out-of-Pocket | Self-Only | $7,900 | $8,150 |
| Family | $15,800 | $16,300 | ||
Note that the ACA’s maximum out-of-pocket for self-only coverage applies to each covered individual, even if enrolled in HDHP family coverage. For more information about the ACA maximum out-of-pocket rule, please review 2016 HSA Limits & New Out-Of-Pocket Rule.
Please contact your Keller/OneDigital account team if you have questions.