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HDHP Federal Guidelines Personal Choice® High Deductible Health Plans
To be an HSA-qualified high deductible health plan, certain federal guidelines must be followed:
- All covered benefits (except preventive care) apply to the deductible, including prescription drugs.
- Preventive services are not subject to deductible (can apply copayments to preventive care services.)
- One deductible and out-of-pocket maximum apply to family coverage — the entire family deductible must be met before benefits are paid.
- New deductibles apply at the beginning of each benefit year. Fourth quarter deductible carryover does not apply.
- The out-of-pocket maximum includes deductible, coinsurance, and copayments.
- HDHP requirements are updated annually by the Internal Revenue Service (IRS) to account for inflation.
The federal HDHP requirements for 2012 are:
- Minimum Deductible: single coverage: $1,200; family coverage: $2,400
- Maximum Out-of-Pocket: single coverage: $5,950; family coverage: $11,900
- Contribution Limit: single coverage: $3,050; family coverage: $6,150
- Catch-Up Contribution: (55 or older)¹ $1,000
¹In addition to the standard HSA annual contribution limits above, accountholders age 55 and older can make additional catch-up contributions. The maximum annual catch-up contribution is $1,000.: If a spouse is also 55 or older, a second HSA may be established and a second catch-up contribution of $1000 may be made to that account if desired.