Best Practices

“Mr. HSA” Finalizes 2021 HSA Projections

By Roy Ramthun “Mr. HSA” – President and Founder –

As many of you know, I track the data needed to make inflation adjustments for Health Savings Accounts from one year to the next. I have accurately predicted the annual adjustments by the Internal Revenue Service for the past 14 years.

With the April 10 release of the March inflation figures by the Bureau of Labor Statistics, I am now finalizing my projected HSA amounts for next year.  You can find my projections on my website at

I am projecting that the HSA contribution limits will increase again for 2021.  This is great news for HSA account owners.  For HSA-qualified plans, the minimum deductibles will not change for 2021, but the annual out-of-pocket maximums will rise.

The IRS will make these amounts official in the coming weeks.  However, employers, trustees, custodians, administrators, and insurance carriers can start making the necessary adjustments now.



Roy is a nationally-recognized expert on Health Savings Accounts and consumer-directed health care issues. He led the U.S. Treasury Department’s implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr. Ramthun to be his health care policy advisor at the White House, where he developed the President’s proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). He continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country.Mr. Ramthun has over twenty-five years of health care and public policy experience, both in government and in the private sector. He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc. and led the West Health Policy Center for two years. Mr. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan.

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