Health Care Reform, Insurance and Employee Benefits

Everything you need to know about health insurance

2012 Health Savings Account (HSA) Guidelines

Note: None of this should be taken as legal or tax advice

The 2012 Health Savings Account (HSA) guidelines have changed from 2011.

High Deductible Health Plan (HSA Qualified)

In 2012, a “high deductible health plan” will still be defined as a health plan with an annual deductible at least $1,200 for self-only coverage or $2,400 for family coverage.

The annual out-of-pocket expenses (deductibles, co-payments, and other amounts, but not premiums) do not exceed $6,050 for self-only coverage or $12,100 for family coverage.

2012 Annual HSA Contribution Limits
  • $3,100 for an individual with self-only coverage
  • $6,250 for an individual with family coverage

For more information, please see IRS document Rev. Proc. 2011-32


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Clarifying Health is a blog about health insurance, health benefits, and everything else related to how Americans pay for medical expenses.

If you have any tips or suggestions for this blog, send an email to blog@ZaneBenefits.com and let us know. We always appreciate feedback

We also run a company called Zane Benefits where we're doing everything we can to help America out of the current healthcare mess.

If you want to learn more about how Zane Benefits helps companies with their benefits, or you're interested in working with us, visit the Zane Benefits website.
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