Copyright © 2009 The Money Alert.com. All rights reserved.
Robert Valentine, Ca. Insurance License# 0C23496, is a Registered Investment Advisor Representative with Crown Wealth Management, a Registered Investment Advisor and a registered
representative with Securities America, Inc., a Registered Broker Dealer. Securities offered through Securities America, Inc., Member NASD/SIPC. Crown Wealth Management and
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HSA Contribution Limits 2009
 
Minimum
Deductible
Maximum
Out-of-Pocket
Contribution Limit
Catch Up
Contribution*
Single
$1,150
$5,800
$3,000
 $1,000
Family
$2,300
$11,600
$5,950
 $1,000
*Catch up contributions for those who are 55 or older are increased to $1,000 for 2009 and all years going
forward. If a spouse is also 55 or older, a second HSA may be established and a second catch up contribution of
$1000 may be made to that account when desired.
*The information presented hereon is provided for informational purposes only and should not be interpreted as
tax or legal advice. The information presented here has been obtained from publicly available sources and is
believed to be accurate and current. You may attain more detailed Health Savings Account (HSA) information by
visiting the U.S. Department of Treasury website at www.ustreas.gov. Always consult a qualified tax planning
advisor.
HSA Contribution Limits 2008
 
Minimum
Deductible
Maximum
Out-of-Pocket
Contribution Limit
Catch Up
Contribution*
Single
$1,100
$5,600
$2,900
 $900
Family
$2,200
$11,200
$5,800
 $900
*Catch up contributions for those who are 55 or older are increased by to $900 for 2008. If a spouse is also 55 or
older, a second HSA may be established and a second catch up contribution limit of $900 may be made to that
account when desired.
HSA Contribution Limits 2005
 
Minimum
Deductible
Maximum
Out-of-Pocket
Contribution Limit
Catch Up
Contribution*
Single
$1,000
$5,100
$2,650
 $600
Family
$2,000
$10,200
$5,250
 $600
*Catch up contributions for those who are 55 or older are increased to $600 for 2005. If a spouse is also 55 or
older, a second HSA may be established and a second catch up contribution limit of $600 may be made to that
account when desired.
HSA Contribution Limits 2007
 
Minimum
Deductible
Maximum
Out-of-Pocket
Contribution Limit
Catch Up
Contribution*
Single
$1,100
$5,500
$2,850
 $800
Family
$2,200
$11,000
$5,650
 $800
*Catch up contributions for those who are 55 or older are increased to $800 for 2007. If a spouse is also 55 or
older, a second HSA may be established and a second catch up contribution limit of $800 may be made to that
account when desired.
HSA Contribution Limits 2006
 
Minimum
Deductible
Maximum
Out-of-Pocket
Contribution Limit
Catch Up
Contribution*
Single
$1,050
$5,250
$2,700
 $700
Family
$2,100
$10,500
$5,450
 $700
*Catch up contributions for those who are 55 or older are increased by statute to $700 for 2006. If a spouse is
also 55 or older, a second HSA may be established and a second catch up contribution limit of $700 may be
made to that account when desired.
Health Savings Account (HSA) Guidance

Your eligibility to contribute to a Health Savings Account (HSA) is determined by the effective date of
your High Deductible Health Plan (HDHP) coverage. The law states that an individual or family must
have a HDHP in force in order to be qualified for a HSA.

Individuals who are eligible on the first day of the last month of the taxable year (typically December for
most taxpayers) are allowed the full annual contribution (plus catch up contribution, for those 55 or older
by year end). This is regardless of the number of months that the individual was eligible in that year. For
individuals that cease to be eligible during the following year, both the HSA contribution and catch up
contribution will apply pro rata based on the number of full months of eligibility. The excess over the pro
rated contribution is included in income and subject to a 10 percent additional tax.

When the HDHP fiscal year requirements are met on the first day of the first month of its fiscal year the
deductible may be applied for that entire fiscal year.
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