Buckeye, before 2007 HSA contribution amounts were limited to individual plan deductibles. This changed in 2007 (see the link in my earlier post) and contributions limits were established independent of specific plan characteristics. Since then, once a plan is qualified as HSA eligible and you meet the eligibility criteria (how long were you covered during the year), regardless of the deductible amounts, the yearly contribution limit is the same.
It still sounds like the limitation described to you is based on the pre-2007 contribution rules.
IRS form 8889 is used to calculate the eligible HSA contribution. See the form here http://www.irs.gov/pub/irs-pdf/f8889.pdf and the instructions here http://www.irs.gov/pub/irs-pdf/i8889.pdf They confirm the contribution limits as we have discussed: individuals @ $3050, families @ $6150. There is no mention of a third category and the only limitations are from less that a full year of coverage or part- year marriage.
I think your HR needs to link to specific instructions and forms or they are just misinformed.
It still sounds like the limitation described to you is based on the pre-2007 contribution rules.
IRS form 8889 is used to calculate the eligible HSA contribution. See the form here http://www.irs.gov/pub/irs-pdf/f8889.pdf and the instructions here http://www.irs.gov/pub/irs-pdf/i8889.pdf They confirm the contribution limits as we have discussed: individuals @ $3050, families @ $6150. There is no mention of a third category and the only limitations are from less that a full year of coverage or part- year marriage.
I think your HR needs to link to specific instructions and forms or they are just misinformed.
