October 10, 2017

High Deductible Health Plans

While you are working with your Consultant and your Account Executive on benefit design changes we want to outline the 2018 IRS guidelines to consider.

The High Deductible Health Plan (HDHP) and ACA Out of Pocket limits are increasing for 2018. Below is a snapshot of the changes:

HDHP Minimum Deductible

2018

2017

Single

$1,350

$1,300

Family

$2,700

$2,600

 

HDHP Out of Pocket Maximum

2018

2017

Single

$6,650

$6,550

Family

$13,300

$13,100

 

ACA Out of Pocket Maximum for Non-HDHP

2018

2017

Single

$7,350

$7,150

Family

$14,700

$14,300

 

Non-embedded/embedded deductible -

To be non-embedded in 2018, the lowest deductible would be $1,350 single / $2,700 family.

To be embedded in 2018, the lowest deductible would be $2,700 single and the family deductible can be anything, but usually double, so $5,400 family.

If you have questions about these updated guidelines or need guidance on benefit plan design changes, contact your Unified Account Executive.