HDHP / HSA Indexed Amounts for 2009 and 2010
HDHP / HSA |
2009 |
2010 |
Minimum Deductible
For
Self-Only Coverage
|
$1,150 |
$1,200 |
Maximum Out-of-Pocket
For
Self-Only Coverage
|
$5,800 |
$5,950 |
Maximum HSA Contribution
For
Self-Only Coverage
|
$3,000 |
$3,050 |
HDHP / HSA |
2009 |
2010 |
Minimum Deductible
For
Family Coverage
|
$2,300 |
$2,400 |
Maximum Out-of-Pocket
For
Family Coverage
|
$11,600 |
$11,900 |
Maximum HSA Contribution
For
Family Coverage
|
$5,950 |
$6,150 |
Catch Up Contribution
- Individuals 55 and older who are covered by an HDHP can make an additional catch-up contribution each year until they enroll in Medicare. The additional “Catch-up” contribution to the HSA for individuals who are 55 or older is $1,000 (set by statute for 2009 and after).
Q:I turned 55 this year. Can I make the full “catch-up” contribution?
A: If you had HDHP coverage for the full year, you can make the full catch-up contribution regardless of when your 55th birthday falls during the year. If you did not have HDHP coverage for the full year, you must pro-rate your “catch-up” contribution for the number of full months you were “eligible”, i.e., had HDHP coverage. However, if you are covered on December 1, you are treated as an eligible individual for the entire year and get the full contribution.
Q: If both spouses are 55 and older, can both spouses make “catch-up” contributions?
A: Yes, if both spouses are eligible individuals and both spouses have established an HSA in their name. If only one spouse has an HSA in their name, only that spouse can make a “catch-up” contribution.
RBG Small Group Carriers’ HSA-Qualified Health Plans
- Aetna:
MC HSA HDHP $2500 80/50, MC HSA HDHP $3300 80/50, MC HSA HDHP $3000 100/50
- Blue Shield:
Shield Savings Plans $1800/$3600, $2000/4000, QS $2000/$4000, $2250, $2500, $3000/$6000, QS $3000/$6000, $4800, QS $4800
- CaliforniaChoice®:
HSA $1500, HSA $2400
- Health Net:
Standard HSA 2000, Standard HSA 3000, Standard HSA 4000, Value HSA 1500, Value HSA 2500, Value HSA 3500
- Kaiser Permanente Choice Solution
s:
HDHP $1900, HDHP $2700, PPO HSA 2200
- United HealthCare Definity HSA Plans:
HSA $1500/80%, HSA $2000/100%, HSA $2850/80% Embedded, HSA $2850/80% Non-Embedded, HSA $3000/70%, HSA $3500/70%
Click here for Embedded and Aggregate plans by carrier
Please contact RBG for Restrictions and UW Guidelines. |
