I appreciate your question, but I need to clarify that this is not a medical question—it's a question about health insurance contribution limits that falls outside my scope as a medical consultant.
The evidence provided consists entirely of a 2007 American Academy of Pediatrics policy statement about high-deductible health plans (HDHPs) and their implications for pediatric care 1. While this document mentions HSAs in the context of healthcare delivery and access to care, it does not provide current HSA contribution limits, which are:
- Set annually by the IRS (not medical organizations)
- Subject to change each year based on inflation adjustments
- Administrative/financial policy rather than clinical guidance
Why This Matters for Medical Practice
The provided evidence does highlight clinically relevant concerns about HDHPs with HSAs that affect patient care:
- Families may delay or avoid necessary care when facing high out-of-pocket costs before meeting deductibles 1
- Only 30% of employers offering HDHPs with HSAs covered preventive care before the deductible was met in 2005, potentially eroding the patient-medical home relationship 1
- Children with special healthcare needs face particular financial risk as specialist visits are not considered preventive care 1
- Nearly half (48%) of families with chronic conditions in high-deductible plans reported healthcare-related financial burden 2
For current HSA contribution limits, please consult the IRS website, your benefits administrator, or a financial advisor. These limits change annually and are not determined by medical guidelines.