Out-of-Pocket Maximums and Deductible Limits for 2018 Health Plans
Out-of-Pocket Maximums and Deductible Limits For 2018
Each year the ACA sets new limits for out-of-pocket maximums and deductibles. Here are the limits for 2018 plans for individuals and families.[cite]2018 ACA Out-Of-Pocket Maximums and Health Savings Account Limits[/cite]
- For 2018, your out-of-pocket maximum can be no more than $7,350 for an individual plan and $14,700 for a family plan before marketplace subsidies.[cite]Federal Register – Patient Protection and Affordable Care Act; HHS Notice of Benefit and Payment Parameters for 2018; Amendments to Special Enrollment Periods and the Consumer Operated and Oriented Plan Program[/cite]
- For 2018, your maximum deductible is the same as the out-of-pocket maximum.
Maximums and Deductibles on HSA-Eligible Plans in 2018
Please note, the minimum deductibles and maximums for HSAs have increased this year. See our page on HSAs for 2018 for contribution limits and other information not directly pertaining to deductibles and maximums.[cite]IRS Sets 2018 HSA Contribution Limits Health savings account caps rise $50 for self-only plans, $150 for family coverage[/cite][cite]Rev. Proc. 2017-37 – Internal Revenue Service[/cite]
Minimum Deductible for HSA Eligibility
- Self-only: $1,350
- Family: $2,700
Maximum Out-of-Pocket Limit for HSA Eligibility
- Self-only: $6,650
- Family: $13,300
TIP: The maximums are slightly lower on HSA compatible plans then they are in general on health plans. This has to do with the fact that the rates are raised by different mechanisms. The difference allows for non-HSA compatible high deductible plans. Thus, if you want an HSA, make sure your plan is “HSA Eligible.” Learn more about pairing HSAs with High Deductible Health Plans in 2018.