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June 2024 Benefits Buzz: 2025 HSA/HDHP limits and HIPAA privacy changes

June 2024 Benefits Buzz

HSA/HDHP limits will increase for 2025 

On May 9, the IRS released Revenue Procedure 2024-25 to provide the inflation-adjusted limits for health savings accounts and high-deductible health plans for 2025. The IRS is required to publish HSA/HDHP limits by June 1 each year. These limits include: 

  • the maximum HSA contribution limit; 

  • the minimum deductible amount for HDHPs; and 

  • the maximum out-of-pocket expense limit for HDHPs. 

These limits vary based on whether an individual has self-only or family coverage under an HDHP. 

Eligible individuals with self-only HDHP coverage will be able to contribute $4,300 to their HSAs in 2025, up from $4,150 in 2024. Eligible individuals with family HDHP coverage will be able to contribute $8,550 to their HSAs in 2025, up from $8,300 in 2024. Individuals age 55 or older may make an additional $1,000 “catch-up” contribution to their HSAs. 

The minimum deductible amount for HDHPs increases to $1,650 for self-only coverage and $3,300 for family coverage in 2025 (up from $1,600 for self-only coverage and $3,200 for family coverage in 2024). The HDHP maximum out-of-pocket expense limit increases to $8,300 for self-only coverage and $16,600 for family coverage in 2025 (up from $8,050 for self-only coverage and $16,100 for family coverage in 2024). 

HHS finalizes HIPAA privacy rule changes for reproductive healthcare 

The U.S. Department of Health and Human Services issued a final rule that strengthens the Health Insurance Portability and Accountability Act privacy rule by prohibiting the disclosure of protected health information related to lawful reproductive healthcare in certain situations.  

According to HHS, these new changes to the HIPAA privacy rule are necessary to protect access to and privacy of reproductive healthcare following the U.S. Supreme Court’s decision in Dobbs v. Jackson Women’s Health Organization. 

The HIPAA privacy rule sets strict limits on the use, disclosure and protection of PHI by healthcare providers, health plans, healthcare clearinghouses and their business associates (regulated entities). 

Effective Dec. 23, 2024, the final rule prohibits regulated entities from using or disclosing PHI for the criminal, civil or administrative investigation of (or proceeding against) any person in connection with seeking, obtaining, providing or facilitating reproductive healthcare where such healthcare is lawful under the circumstances in which it is provided. 

To implement the prohibition, when a regulated entity receives a request for PHI potentially related to reproductive healthcare, the regulated entity generally must obtain a signed attestation that the use or disclosure is not for a prohibited purpose. 

In addition, the final rule requires entities to revise their notice of privacy practices to support reproductive healthcare privacy by Feb. 16, 2026. 

Get more information: Contact TruePlan today! 

Enjoy this June Benefits Buzz? If you haven’t already, read our May issue to learn about the RxDC prescription drug reporting deadline and Affordable Care Act preventive care mandate. Contact TruePlan today for more information or explore our employee benefits services.    

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