--- title: IRS Announces 2013 HSA Limits description: The IRS announced the inflation-adjusted increases for thresholds applicable to HSAs and High-Deductible Health Plans (HDHPs) for 2013. --- [**](https://www.thegibsonedge.com/blog/irs-announces-2013-hsa-limits#tmpmodule_1568675152246189) - [Client Login](https://www.thegibsonedge.com/gibson-client-login) - [Contact Us](https://www.thegibsonedge.com/contact) **** [![Gibson Logo](https://www.thegibsonedge.com/hs-fs/hubfs/Gibson%20UNISON%20Co_Horiz_Logo_Gold_White-1.png?width=2518&height=1088&name=Gibson%20UNISON%20Co_Horiz_Logo_Gold_White-1.png) ![Gibson Logo](https://www.thegibsonedge.com/hs-fs/hubfs/Gibson%20UNISON%20Co_Horiz_Logo_Gold_White-1.png?width=2518&height=1088&name=Gibson%20UNISON%20Co_Horiz_Logo_Gold_White-1.png) ](https://www.thegibsonedge.com/) [**](https://www.thegibsonedge.com/blog/irs-announces-2013-hsa-limits#tmpmodule_1568675152246189) - [Services](https://www.thegibsonedge.com/services) - [Employee Benefits](https://www.thegibsonedge.com/services/employee-benefits) - [Business Insurance](https://www.thegibsonedge.com/services/business-insurance) - [Private Client Group](https://www.thegibsonedge.com/services/private-client-group) - [Industries](https://www.thegibsonedge.com/industries) - [Insights & News](https://www.thegibsonedge.com/blog) - [Insights & News](https://www.thegibsonedge.com/blog) - [Webinars](https://www.thegibsonedge.com/webinars) - [Podcast](https://podcast.thegibsonedge.com) - [About Us](https://www.thegibsonedge.com/about-us) - [Become a Partner](https://www.thegibsonedge.com/become-a-partner) - [Leadership](https://www.thegibsonedge.com/leadership) - [Community Impact](https://www.thegibsonedge.com/impact) - [Sightline](https://www.thegibsonedge.com/sightline) - [About URA](https://www.thegibsonedge.com/ura) - [Offices](https://www.thegibsonedge.com/offices) - [Careers](https://www.thegibsonedge.com/careers) ** ###### 1 min read # [IRS Announces 2013 HSA Limits](https://www.thegibsonedge.com/blog/irs-announces-2013-hsa-limits) May 14, 2012 5:36:00 PM The IRS announced the inflation-adjusted increases for thresholds applicable to HSAs and High-Deductible Health Plans (HDHPs) for 2013. - The maximum annual HSA contribution for self-only HDHP coverage will increase from $3,100 to $3,250. The maximum annual HSA contribution for family HDHP coverage will increase from $6,250 to $6,450. Age 55 catch-up contributions will continue to be at $1,000, per §223 of the Internal Revenue Code. - The minimum HDHP deductible will increase from $1,200 to $1,250 for self-only coverage and from $2,400 to $2,500 for family coverage. - The annual maximum for HDHP out-of-pocket expenses (deductibles, co-payments and other amounts) will be $6,250 for self-only coverage and $12,500 for family coverage, up from $6,050 and $12,100, respectively, in 2012. These limits are effective for calendar year 2013. For HDHPs with non-calendar plan years, the minimum deductible and out-of-pocket limits are those that are in effect on the first day of the plan year. A recent HSA/HRA study by the Employee Benefit Research Institute showed that in 2011 more than 8 million Americans have HSAs and/or HRAs, with more than $12 billion in assets. This indicates an increase of more than 500 percent since 2006. HSAs, in particular, have a triple tax benefit (contributions, earnings and medical-related distributions are tax free) and are portable. They can be used for current medical expenses or expenses in retirement years. [![Controlling Cost of Health Care Spending](https://no-cache.hubspot.com/cta/default/360304/3c1c3c20-4b33-4353-8eb8-bc0fc9d49d09.png)](https://cta-redirect.hubspot.com/cta/redirect/360304/3c1c3c20-4b33-4353-8eb8-bc0fc9d49d09) ###### Topics: [Employee Benefits](https://www.thegibsonedge.com/blog/topic/employee-benefits) ![Gibson](https://via.placeholder.com/100x100.jpg/e0e7ee) #### Written by [Gibson](https://www.thegibsonedge.com/blog/author/gibson) Gibson is a team of risk management and employee benefits professionals with a passion for helping leaders look beyond what others see and get to the proactive side of insurance. Gibson is driven by close relationships with clients, employees, and the communities they serve. 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