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HSA/MOOP Raised for 2019


Things are looking up for 2019!  At least where HSA and MOOP levels are concerned.

What is a MOOP?

MOOP stands for Maximum Out Of Pocket, and directly from is defined as “the most you have to pay for covered services in a plan year.  After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits.” I always caution my clients that when they say covered services, this means that you must stay in the network if you have an HMO or Exclusive plan.  

For 2018, the MOOP was $7,350 for an individual, $14,700 for a family.  For 2019, it will be $7,900 for an individual, and $15,800 for a family.

This is the largest increase since the MOOP was created in 2014, with a jump of $550 for an individual as compared to increases of between $200 and $300 in previous years.


Year       Individual MOOP      Family MOOP

2019      7,900                        15,800

2018      7,350                        14,700

2017      7,150                        14,300

2016      6,850                        13,700

2015      6,600                        13,200

2014      6,350                        12,700


What is an HSA?

HSA stands for Health Savings Account, and from is “a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses.  By using untaxed dollars in an HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you can lower your overall healthcare costs. An HSA can only be used if you have a High Deductible Health Plan (HDHP).”  Generally, an HSA plan is one where the consumer is paying for most or all of the coverage up to a high deductible.

The amount of money that a person or family can contribute to an HSA and use to pay for medical expenses tax-free is also increasing this year.  

Year       Individual HSA Contribution        Family HSA Contribution

2019      3,500                                           7,000

2018      3,450                                           6,900

2017      3,400                                           6,850

2016      3,350                                          6,750

2015      3,350                                          6,650

2014      3,300                                          6,550


The IRS increases the HSA limit per year with inflation.  The limits for 2019 to qualify as an HDHP is a $1,350 annual deductible for an individual and $2,700 for family coverage.  This is the same as 2018. The high limit for MOOP for 2019 for an HDHP is $6,750 for individuals and $13,500 for families. This is significantly less than the MOOP for a non-HSA plan, one of the ways that an HDHP can help save a healthy person or family money.

Is it also important for consumers to note that, as of the date of this blog, HSA funds CANNOT be used to pay premiums since those aren’t considered qualified medical expenses.

Any questions?  Give the experts at Cedar River Insurance a call at 517-580-3819!