The Treasury Department and Internal Revenue Service (IRS) issued the 2018 guidelines on the maximum contribution levels for Health Savings Accounts (HSAs), the minimum deductible amounts and the out-of-pocket maximum amounts.

The 2108 requirements are:

HSA Contribution Limits

  • Individual Contribution Limit: $3,450
  • Family Contribution Limit: $6,900

HSA Deductible Amounts

  • Individual Minimum Deductible: $1,350
  • Family Minimum Deductible: $2,700

HSA Out-of-Pocket (OOP) Amounts

  • Individual OOP Maximum: $6,650
  • Family OOP Maximum: $13,300

Please note: an individual or family plan that meets the deductible and out-of-pocket requirements, doesn’t necessarily qualify one to open an HSA. A plan designated as High Deductible Health Plan (HDHP) will meet these and other requirements necessary for HSA participation. Make sure your plan has HDHP included in its name and/or summary of benefits.

HDHP plans are available through the ACA (CoveredCA and private market) from many carriers and typically are found in the Bronze level of plans, a lower premium category. With rising premiums, HDHP plans coupled with a HSA account, may provide a more balanced long term health insurance solution.

For more information about HSA’s and how they work, visit our web page: