---
title: "New IRS Limits for 2016 HSA’s and HDHP’s"
description: "Contribution and Out-of-Pocket Limits for Health Savings Accounts and High-Deductible Health Plans   For 2016 For 2015 Change HSA contribution limit (employer + employee) Individual: $3,350 Family: $6..."
url: https://www.dashrconsulting.com/new-irs-limits-for-2016-hsas-and-hdhps/
date: 2015-06-29
modified: 2015-08-11
author: "Dr. Di Ann Sanchez"
image: https://www.dashrconsulting.com/wp-content/uploads/New-IRS-Limits-2016.jpg
categories: ["Human Resources"]
type: post
lang: en
---

# New IRS Limits for 2016 HSA’s and HDHP’s

### Contribution and Out-of-Pocket Limits for Health Savings Accounts and High-Deductible Health Plans

|   | **For 2016** | **For 2015** | **Change** |
| --- | --- | --- | --- |
| **HSA contribution limit **(employer + employee) | Individual: $3,350 Family: $6,750 | Individual: $3,350 Family: $6,650 | Individual: no change Family: +$100 |
| **HSA catch-up contributions **(age 55 or older)* | $1,000 | $1,000 | No change** |
| **HDHP minimum deductibles** | Individual: $1,300 Family: $2,600 | Individual: $1,300 Family: $2,600 | Individual: no change Family: no change |
| **HDHP maximum out-of-pocket amounts**  (deductibles, co-payments and other amounts, but not premiums) | Individual: $6,550 Family: $13,100 | Individual: $6,450 Family: $12,900 | Individual: +$100 Family: +$200 |

* Catch-up contributions can be made any time during the year in which the HSA participant turns 55.

** Unlike other limits, the HSA catch-up contribution amount is not indexed; any increase would require statutory change.

---

### Affordable Care Act Limits Differ

|   | **2016** | **2015** |
| --- | --- | --- |
| ACA out-of-pocket limits for HDHPs | Individual: $6,850 Family: $13,700 | Individual: $6,600 Family: $13,200 |