Listed below are the options for deductibles and out-of-pocket maximums that insurers are allowed to offer to employers or individual consumers.

For plans with coverage effective Jan 1, 2004:

  • Individual: Either your plan deductible or $2,600; whichever is LESS
  • Family: Either your plan deductible or $5,150 whichever is LESS

For Plans with coverage effective after Jan 1, 2004:

  • The contributions are pro-rated based upon the number of whole months covered under the qualified insurance plan. 1/12 for every month. i.e. if coverage begins in August, only 5/12ths of the maximum amount is permitted.
  • While annual contributions are limited based upon the deductible selected, there is no maximum limit on the accumulated balance held in the HSA trust account.
 
Health Saving Accounts Maximum Deductible Maximum Out-of-Pocket Maximum HSA Deposit
Single $1,000.00
$1,700.00
$2,600.00
$5.000,00		 $5,000.00
$5,000.00
$5,000.00
$5,000.00		 $1,000.00
$1,700.00
$2,600.00
$2,600.00
Family, Husband & Wife or Parent & Children $2,000.00
$3,450.00
$5,150.00
$10,000.00		 $10,000.00
$10,000.00
$10,000.00
$10,000.00		 $2,000.00
$3,450.00
$5,150.00
$5,150.00
 
 
 
 
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