Health Savings Account limits will either rise marginally or remain where they are for the next two years.
That's the forecast from HSA Consulting Services and its HSA guru, Roy Ramthun. He established his reputation as "Mr. HSA" by guiding the U.S. Treasury Department through its implementation of the savings account program a decade ago. Now, his forecasts are closely watched.
The increases aren't spectacular but suggest that, for those who opt to use them, they can count on stability for a couple of years. In the case of catch-up contributions for those ages 55 and over, and additional spouse catch-up contributions, which are fixed at $1,000, there will be no changes, Ramthun said.
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And now, without further ado, here are the purported new numbers, offered sequentially from 2013 through 2015.
Individual maximum contribution
$3,250
$3,300
$3,300
Family maximum contribution
$6,450
$6,550
$6,650
Individual maximum out-of-pocket
$6,250
$6,350
$6,450
Family maximum out-of-pocket
$12,500
$12,700
$12,900
Individual minimum deductible
$1,250
$1,250
$1,300
Family minimum deductible
$2,500
$2,500
$2,600
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Dan Cook
Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.
