Higher Limits for HSA Contributions and Deductibles in 2015

Whether you have an established high-deductible health plan (HDHP) at your organization – or such a move is under consideration, it is important to note that the Internal Revenue Service has announced higher limits on contributions to health savings accounts (HSAs) and for out-of-pocket spending under linked high-deductible health plans (HDHPs) starting in 2015.

Contribution & Out-of-Pocket Limits for HSAs and for HDHPs
20142015
HSA contribution limit (employer AND employee)Individual: $3,300  
Family: $6,550
Individual: $3,350
Family: $6,650
HSA catch-up contributions (age 55 or older) Catch-up contributions can be made any time during the year in which the HSA participant turns 55.$1,000$1,000 (no change)
HDHP minimum deductiblesIndividual: $1,250
Family: $2,500
Individual: $1,300
Family: $2,600
HDHP maximum out-of-pocket amounts (deductibles, co-payments and other amounts, excluding premiums)Individual: $6,350
Family: $12,700
Individual: $6,450
 Family: $12,900