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2017 Health & Welfare Plan Limits

The following chart sets forth 2017 welfare plan limits set by the IRS, plus the out-of-pocket maximum limits set by the Health and Human Services (HHS), Treasury, and Labor Departments. Figures in red indicate an increase for 2017; figures in black indicate no change from 2016.

 Limit

CY 2017

CY 2016

Maximum HSA1 Contribution Amount that an Employee and/or Employer can make

Self Only

$3,400

Self Only

$3,350

Family

$6,750

Family

$6,750

Maximum HSA Catch-Up Amount that an Employee and/or Employer can make for Employee age 55+

$1,000

$1,000

Minimum deductible that a HDHP2 can have

Self Only

$1,300

Self Only

$1,300

Family

$2,600

Family

$2,600

Maximum In-Network Out-Of-Pocket for a HDHP paired with a HSA

Self Only

$6,550

Self Only

$6,550

Family

$13,100

Family

$13,100

Maximum In-Network Out-Of-Pocket3 on EHBs for non-grandfathered health plans

Self Only

$7,150

Self Only

$6,850

Family

$14,300

Family

$13,700

Maximum Health Flexible Spending Account (FSA) Contribution4

$2,600

$2,550

Maximum Dependent Care FSA Salary Reduction Contribution5

$5,000

$5,000

Maximum Qualified Transportation Fringe Benefit6

Parking

$255/month

Parking

$255/month

Mass Transit

$255/month

Mass Transit

$255/month

Please contact your Cheiron consultant if you have any questions about these or other limits and/or how they impact your plan.

Cheiron is an actuarial consulting firm that provides actuarial and consulting advice. However, we are neither attorneys nor accountants. Accordingly, we do not provide legal services or tax advice.


1 The Health Savings Account (HSA) plan limits in this chart apply for individuals who also have coverage under a High Deductible Health Plan (HDHP) for the plan year.

2 These HDHP limits apply for individuals who also have coverage under a HSA for the plan year.

3 Plans with a family OOP limits must apply the self-only OOP limit for each person enrolled in family coverage. This means that once a person covered under a family plan reaches the self-only OOP maximum, then all expenses above the self-only limit for covered essential health benefits expenses (EHBs) for that person must be reimbursed at 100%, even if the family OOP maximum has not been met.

4 This limit applies to salary reduction contributions to the health FSA. Non-elective employer contributions to the health FSA, such as a flat dollar contribution, employer match, or flex credits, will count against this limit only if the employee can elect to receive the employer contribution in cash or as a taxable benefit.

5 This limit is $2,500 if you are married and file a separate tax return.

6 These qualified transportation fringe benefits are excluded from an employee's gross income for income tax purposes and from an employee's wages for payroll tax purposes.

 
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