We’re more than halfway through 2014 and though it may seem like 2015 is a long way off, there are changes to 2015 employee benefits that may affect you if you participate in a high-deductible health insurance plan with coupled with a Health Savings Account (HSA).
The U.S. Treasury Department and Internal Revenue Service have issued new guidelines on high-deductible health insurance plans and the health savings accounts (HSAs) that go with them. As a result, out-of-pocket spending limits and maximum contributions to HSAs will change next year. The following limits are in effect for calendar year 2015:
| Category | 2014 Limits | 2015 Limits |
| Maximum annual HSA contribution amount (employer + employee) |
$3,300 (single) $6,550 (family) |
$3,350 (single) $6,650 (family) |
| Catch-up contribution level (for those who are 55 or older) |
$1,000 | $1,000 |
| Maximum out-of-pocket | $6,350 (single) $12,700 (family) |
$6,450 (single) $12,900 (family) |
| Minimum deductible | $1,250 (single) $2,500 (family) |
$1,300 (single) $2,600 (family) |
| Minimum embedded deductible | $2,500 (single) $5,000 (family) |
$2,600 (single) $5,200 (family) |
If you have questions about high-deductible health insurance plans and the health savings accounts (HSAs), feel free to contact any of the Noah Insurance Group Employee Benefit team as they’d be glad to help.