Exec Summary - 2013 HSA Limits

Health Savings Account Plans: 2013 Limits


Who:  All individuals and group members with High Deductible HSA eligible plans.


What: Federal law provides for annual indexing of the parameters for HSA eligible plan deductibles, maximum account contributions, and maximum out-of-pocket limits. Below is a table reflecting the changes for 2013 and comparisons to 2012 values.


2013 Limits for Health Savings Accounts

for eligible High Deductible Health Plans





Maximum HSA Contribution Limits

Individual:      $3,100

Family:           $6,250

Individual:      $3,250

Family:           $6,450

Individual:     +$150

Family:          +$200

HSA Catch-up


(Age 55 or Older)






No Change

HDHP Minimum

Deductible Amounts

Individual:      $1,200

Family:           $2,400

Individual:      $1,250

Family:           $2,500

Individual:     +  $50

Family:          +$100

HDHP Maximum

Out-of-Pocket Amount

(All cost-sharing)


Individual:      $6,050

Family:         $12,100


Individual:      $6,250

Family:         $12,500


Individual:     +$200

Family:          +$400


When:  All new limits are effective January 1, 2013


Executive Summary:  Annually the Internal Revenue Service releases inflation-adjusted figures for contributions to health savings accounts, the minimum deductible, and maximum out-of-pocket limits for accompanying high deductible health plans (“HDHPs”). HSAs are savings accounts that allow contributions on a tax-favored basis to pay for certain medical expenses. In order to be eligible to participate in an HSA, an individual must be enrolled in an HDHP.


Plans that used the minimum deductible of $1,200 for an individual and $2,400 for a family in 2012 must increase the deductible in 2013 in order for the plan to remain HSA eligible. 


Actions:  Individuals and employers should check with their insurance brokers, agents, consultants, and insurers in preparation for the new 2013 limits.      


The information presented and contained within this article was submitted by Ronald E. Bachman, President & CEO of Healthcare Visions. This information is general information only, and does not, and is not intended to constitute legal advice. You should consult your legal advisors to determine the laws and regulations impacting your business. Any opinions expressed within this document are solely the opinion of the individual author.