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HSA/HDHP Limits Changing for 2022

Each year the IRS is required to publish inflation-adjusted contribution limits for health savings accounts (HSAs) and high deductible health plans (HDHPs) by June 1. Revised limits for calendar year 2022 were released on May 10. Here’s a brief summary of the changes to contribution limits:

For eligible individuals with self-only coverage, the HSA contribution limit will increase by $50 in 2022, to $3,650. Contributions for those with family plans will rise by $100, to $7,200. There is no change to the HSA catch-up contribution limit for those 55 or older; that remains at $1,000.

Minimum deductibles for HDHPs will remain unchanged across the board in 2022, at $1,400 for individuals and $2,800 for families.

HDHP maximum out-of-pocket expense limits also will rise by $50 for individuals and $100 for families, to $7,050 and $14,100 respectively.

All changes take effect on January 1, 2022 and will impact plan years beginning on or after that date. Employers should review their plans’ cost-sharing limits, and should update any communications to employees to reflect the new limits.

Questions about HSA/HDHP contribution limits or other benefits issues? Contact Consolidated Insurance.

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