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“Mr. HSA” Projects 2019 HSA Amounts ~Roy Ramthun

As many of you know, I track the data needed to make inflation adjustments for Health Savings Accounts from one year to the next. I have accurately predicted the annual adjustments by the Internal Revenue Service for the past 12 years.

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With the January 12 release of the December inflation figures by the Bureau of Labor Statistics, the inflation-adjusted amounts for HSAs for 2019 are coming into view. With only three months of data remaining to be collected, I can now project the HSA amounts for next year with virtual certainty.

I am projecting that the HSA contribution limits will increase again for 2019 but only the annual out-of-pocket maximums for HSA-qualified health plans will change for 2019 (minimum deductibles will remain unchanged from 2018).  This means insurance carriers and trustees and custodians will need to plan ahead and start making the necessary adjustments now.  The good news for consumers is the HSA contribution limits will be going up, both for singles and families.  You can find my projections on my website

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If inflation remains low (as is expected), my projections are likely to be the same as the final 2019 amounts determined by the IRS later this Spring.  Also, keep in mind that the recently enacted tax reform law (P.L. 115-97) changed the annual inflation adjustment factor from the “Consumer Price Index” (CPI) to a new factor known as “chained CPI” starting in 2018.  Chained CPI has tended to be slightly lower than CPI over the past decade, so expect future HSA amounts to be adjusted less frequently than in the past.


Look for my final projections for 2019 in April.

Roy Ramthun “Mr. HSA” – President and Founder – Roy is a nationally-recognized expert on Health Savings Accounts and consumer-directed health care issues. He led the U.S. Treasury Department’s implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr. Ramthun to be his health care policy advisor at the White House, where he developed the President’s proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). He continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country.Mr. Ramthun has over twenty-five years of health care and public policy experience, both in government and in the private sector. He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc. and led the West Health Policy Center for two years. Mr. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan.


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