IRS Announces 2020 HSA/HDHP Limits

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Volume 42 | Issue 49

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The IRS has released the health savings account and high-deductible health plan limits for 2020. The annual contribution limits, HDHP deductible and out-of-pocket amounts for self-only and family coverage all increased over the 2019 limits.


In Revenue Procedure 2019-25, the IRS issued calendar year 2019 inflation-adjusted contribution limits for health savings accounts (HSAs) along with minimum deductible and maximum out-of-pocket (OOP) limits for high-deductible health plans (HDHPs).

The following table sets out the limits for 2020 as compared to 2019, and includes the catch-up contribution limit, which is prescribed by statute and not indexed for inflation.




HSA statutory contribution amount




+ $50




+ $100

Catch-up contribution (age 55 or older)



no change

HDHP minimum deductible amount




+ $50




+ $100

HDHP maximum out-of-pocket amount




+ $150




+ $300

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