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2019 Limits for Health Savings Accounts and High Deductible Health Plans

The IRS has released Revenue Procedure 2018-30, setting dollar limitations for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for calendar year 2019. The contribution, deductible, and out-of-pocket limitations for 2019 are shown in the table below (2018 and 2017 limits are included for reference).

Contribution and Out-of-Pocket Limits for Health Savings Accounts
and High Deductible Health Plans
  For 2019     For 2018 For 2017

Change from

2018-2019

HSA Annual
Contribution
Limits
Individual: $3,500
Family: $7,000

 
Individual:
$3,450
Family:
$6,900
 
(reflects
updated
limits from

Rev. Proc. 2018-27)
Individual: $3,400
Family: $6,750
 

Individual: $50
increase
Family: $100
increase from the restored
limit (note
mid-2018
adjustment from 

Rev. Proc. 2018-27)

HDHP Minimum
Deductibles
(definition
available 
here)
Individual: $1,350
Family: $2,700

 
Individual:
$1,350
Family:
$2,700
 
Individual: $1,300
Family: $2,600
 

Individual:
unchanged
Family:
unchanged

HDHP Out-of-Pocket
Maximums
(definition
available 
here)
Individual: $6,750
Family: $13,500

 
Individual:
$6,650
Family:
$13,300
 
Individual: $6,550
Family: $13,100
 
Individual:
$100 increase
Family:
$200 increase
 

For guidance on HSAs, please review the IRS frequently asked questions page at https://www.irs.gov/publications/p969/ar02.html or contact your MedCost Account Manager.