IRS Announces NEW FSA Maximums for 2019


On Thursday, November 15, 2018, the IRS released the 2019 annual inflation adjustments.  Effective January 1, 2019, the new annual Health Care FSA maximum contribution will increase to $2,700. The new monthly maximum contributions for Qualified Transportation plans will be $265.

Here’s a look at some of the other important limits:

YEARS 2019 2018
Health FSA Max Election   $2,700           $2,650
Dependent Care FSA Max Election $5,000 $5,000
Parking $265/mo  $260/mo
Mass Transit $265/mo $260/mo
HDHP Min Annual Deductible – Single $1,350
HDHP Min Annual Deductible – Family $2,700
HDHP Out of Pocket Max – Single $6,750 $6,650
HDHP Out of Pocket Max – Family $13,500 $13,300
HSA Max Contribution Limit – Single $3,500 $3,450
HSA Max Contribution Limit – Family             $7,000 $6,900
HSA Catch-Up Contribution Limit $1,000
401(k) Retirement Plans $19,000 $18,500










Administratively, the timing of the announcement represents a challenge for employers that have already completed their January 1, 2019 annual enrollment periods or are well into their enrollment efforts. Available options to explore include the following:

To those still “planning the plan”, these increases can be folded into your base communications, enrollment processes and key open enrollment messaging. We have great resources available to assist in your communication strategy.  If you’re looking to do some education, or have any questions, contact your dedicated account team for additional resources.