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qualified HDHP IRS HSA limits for 2015HIGH DEDUCTIBLE

HEALTH PLAN LIMITSNotes – required for HSA New 2015 IRS Limits 2014

Minimum Individual Deductible

applies to Individual and Aggregate deductibles, In Network or Combined $1,300 $1,250

Minimum Family Deductible

applies to Embedded Deductible Plan, In Network or Combined - for an individual on family coverage plan, individual can receive benefits for covered services once individual

deductible is met

$2,600 $2,500

Maximum Individual Out of Pocket

In Network or Combined – medical and pharmacy co-payments and deductibles apply

to out-of-pocket $6,450 $6,350

Maximum Family Out of Pocket

In Network or Combined – medical and pharmacy co-payments and deductibles apply

to out-of-pocket$12,900 $12,700

Maximum Individual Contribution to a HSA

An allowed dollar amount for an individual to deposit within a calendar year $3,350 $3,300

Maximum Family Contribution to a HSA

An allowed family dollar amount for employee to deposit within a calendar year $6,650 $6,550

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qualifications for an HSA

To be eligible to open an HSA, the member (employee) must meet the following requirements:

1. Be covered under a high deductible health plan (HDHP) on the first day of any month for which eligibility is claimed

2. The HDHP can include the Rx in the plan or separate (rider) as long as the minimum deductible of the HDHP is met prior to pharmacy benefits being utilized

3. Not be enrolled in Medicare.

4. Not be claimed as a dependent on someone else’s tax return.

5. Have no other insurance except what’s permitted by the IRS (see IRS Publication 969).

 

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