Private consultant Roy Ramthun, who led the U.S. Treasury Department's implementation of the HSA program after it was enacted in 2003 and is an expert on consumer-driven health care, projects that the maximum HSA contribution will expand to $3,200 for individuals with self-only coverage and $6,450 for those with family coverage in 2013.

These figures do not include catch-up contributions, which for individuals age 55 or older is set by statute and will stay at $1000 per person for 2013, Ramthun says.

"For the first time in three years, the minimum deductible for HSA-qualified plans will increase," Ramthun says. "Health plans that have been using the minimum deductible will need to update their plans for next year."

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