For easy reference, here are some charts of useful limits, thresholds and other handy figures you may need for 2015. For 2016 limits, thresholds and other figures,
see this post.
ACA Market Reforms |
Plan-year OOPM limit |
Individual |
$6,600 |
Family |
$13,200 |
Maximum fixed-dollar cost sharing increase from March 23, 2010 |
For changes effective January 1, 2015 |
28.581% |
PCORI fee due July 31 |
For plan years ending October 1, 2014 through December 31, 2014 |
$2.08/covered life |
For plan years ending January 1, 2014 through September 30, 2014 |
$2.00/covered life |
Transitional reinsurance fee due January & November |
For covered life count reported November 2014 |
$63/covered life |
Employer shared responsibility (pay-or-play) affordability threshold |
9.56% of household income |
Note: No one covered person with family coverage can be required to exceed the individual ACA OOPM limit. Also, OOPM limit is effective for plan year beginning on or after January 1 of the indicated year. |
Health Savings Accounts (HSA) |
Calendar-year contribution limit |
Individual |
$3,350 |
Family |
$6,650 |
Minimum HSA-qualified HDHP deductible |
Individual |
$1,300 |
Family |
$2,600 |
HSA-qualified HDHP OOPM limit |
Individual |
$6,450 |
Family |
$12,900 |
Note: HSA-qualified HDHP OOPM limit is different than a similar ACA market reforms OOPM limit. Also, HDHP deductible minimum and OOPM limit amounts apply to first plan year beginning on or after January 1 of the indicated year. |
Healthcare Flexible Spending Arrangements (FSA) |
Salary reduction limit |
$2,550 |
Dependent Care Assistance Programs (DCAP) |
Salary reduction/benefit limit for single or married, filing jointly |
$5,000 |
Salary reduction/benefit limit for married, filing separately |
$2,500 |
Nondiscrimination Testing |
Prior-year HCE compensation threshold |
Applies to 125 pre-tax premium, FSA, HSA, DCAP |
$115,000 |
Prior-year key employee officer compensation threshold |
Applies to 125 pre-tax premium, FSA, HSA, DCAP |
$170,000 |
Prior-year key employee more-than-1% owner compensation threshold |
Applies to 125 pre-tax premium, FSA, HSA, DCAP |
$150,000 |
Current-year HCI compensation threshold |
Applies to FSA, self-insured medical, HRA |
Top-paid 25% |
Note: HCIs also include more-than-10% owners and the top-paid 5 officers, but these individuals usually are also included in the top-paid 25%. |