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2022 Out-of-Pocket Limits, HDHP Minimum Deductibles, and HSA Contribution Limits


As plan sponsors begin to evaluate plan design changes for the coming year, MedCost wants to ensure awareness of the amounts for out-of-pocket limits, HDHP minimum deductibles, and inflation adjusted HSA contribution limits for 2022, as determined by the Department of Health and Human Services and the IRS.

Out-of-Pocket Limits

The table below shows final increases to the out-of-pocket maximum dollar limits for plan years beginning January 1, 2022, as well as the changes in out-of-pocket limits from 2019 to 2022. (Final regulations for 2022 from the Department of Health and Human Services available here). Note that the 2022 amounts represent an increase of 1.8% from the 2021 maximums.

ACA OOP Limits for Non-Grandfathered Health Plans





HDHP Limits

The table below shows the inflation-adjusted contribution, deductible, and out-of-pocket dollar limitations for health savings accounts (HSAs) and high-deductible health plans (HDHPs) for calendar year 2022, as well as the limit changes from 2019 through 2022. (For more information, see IRS Revenue Procedure 2021-25.) 

Contribution and OOP Limits for HSA and HDHP







Interaction Between Two Out-of-Pocket Limits

Employers who sponsor health plans that must comply with both the ACA and IRS out-of-pocket limits should note that the ACA limits continue to be higher than the IRS amounts. In 2022, the ACA limit for self-only coverage will be $1,650 more than that for HDHPs and $3,300 more for family coverage.

Please contact your MedCost Account Manager if you have any questions.