Health Plan Limits
2022
2023
2024
2025
High Deductible Health Plan – IRS limits for self/family annual deductible minimum
$1,400/ $2,800
$1,500/ $3,000
$1,600/ $3,200
$1,650/ $3,300
ACA out-of-pocket expenses - self/family maximum
$8,700/ $17,400
$9,100/ $18,200
$9,450/ $18,900
$9,200/ $18,400
HDHP maximum out-of-pocket amounts
$7,050/ $14,100
$7,500/ $15,000
$8,050/ $16,100
$8,300/ $16,600
HSA Contribution limit – individual/family
$3,650/ $7,300
$3,850/ $7,750
$4,150/ $8,300
$4,300/ $8,550
HSA Contribution catch-up (age 55 or older)
$1,000
$1,000
$1,000
$1,000
FSA (flexible spending account – health)
$2,850
$3,050
$3,200
$3,300
FSA (flexible spending account – health carryover maximum)
$570
$610
$640
$660
$5,000 per household or $2,500 if married, filing separately
$5,000 per household or $2,500 if married, filing separately
$5,000 per household or $2,500 if married, filing separately
$5,000 per household or $2,500 if married, filing separately
FSA (dependent care account)
Qualified Transportation Fringe Benefit (Transit pass, van pool, and qualified parking)
$280
$300
$315
$325
ACA affordability safe harbor
9.61%
9.12%
8.39%
9.02%
ACA penalties for no offer of coverage
$2,750
$2,880
$2,970
$2,900
ACA penalties when coverage offer lacks minimum value or affordability
$4,120
$4,320
$4,460
$4,350
Click here to learn more about the historical limits from 2019 to 2021.
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