Private consultant Roy Ramthun, who led the U.S. Treasury Department’s implementation of the HSA program after it was enacted in 2003 and is an expert on consumer-driven health care, projects that the maximum HSA contribution will expand to $3,200 for individuals with self-only coverage and $6,450 for those with family coverage in 2013. These figures do not include catch-up contributions, which for individuals age 55 or older is set by statute and will stay at $1,000 per person for 2013, Ramthun says. Ramthun says that minimum deductibles will also increase (to $1,250 and $2,500 for individuals with family coverage), as will limits on out-of-pocket expenses (to $6,250 for individuals with self-only coverage and $12,500 for individuals with family coverage).

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