---
title: 2022 Cost Sharing Increase is Lower than Expected
description: The Centers for Medicare and Medicaid Services announced that the cost-sharing limit for individual and group health plans in 2022 will be $400 lower
---

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# [2022 Cost Sharing Increase is Lower than Expected](https://learn.ahcpsales.com/blog/2022-cost-sharing-increase-is-lower-than-expected)

 Written by [AHCP](https://learn.ahcpsales.com/blog/author/admin) | 5/28/21 12:38 AM

In an April 30 [fact sheet](https://www.cms.gov/newsroom/fact-sheets/notice-benefit-and-payment-parameters-2022-final-rule-part-two-fact-sheet), the Centers for Medicare and Medicaid Services announced that the cost-sharing limit for individual and group health plans in 2022 will be $400 lower than initially projected. 

For 2022, the out-of-pocket limits will be $8,700 for single coverage and $17,400 for family coverage.

The [proposed Notice of Benefit and Payment Parameters for 2022](https://www.cms.gov/files/document/cms-9914-p.pdf) was released back on November 20, 2020, and we find on page 209 of the 395-page document that the proposed limits were originally “$9,100 for self-only coverage and $18,200 for other than self-only coverage.” However, HHS Secretary Xavier Becerra said in an [HHS press release](https://www.hhs.gov/about/news/2021/04/30/cms-to-adopt-rules-to-lower-health-care-costs-in-2022-federal-health-insurance-marketplace-plans.html) that the government was lowering the limits by $400: “Families deserve to have access to health care coverage that doesn't break the bank. That's why today we're acting to lower consumers' maximum out-of-pocket costs by $400 and why President Biden has a plan to reduce families' health care costs for the long run.”

### Note that the new limits are still an increase from the 2021 numbers.

### Limits for Individuals with Cost-Sharing Reductions

The [2022 payment notice](https://www.federalregister.gov/public-inspection/2021-09102/patient-protection-and-affordable-care-act-notice-of-benefit-and-payment-parameters-for-2022-and), also known as the “second 2022 Notice of Benefit and Payment Parameters final rule,” also tells us the new limits for those who qualify for a cost-sharing reduction through the marketplace:

Those with incomes above 250% of the Federal Poverty Level (FPL) do not qualify for a cost-sharing reduction.

### HSA-Qualified High Deductible Health Plan Limits

We also have the updated HSA plan limits for 2022, as reported by the IRS in [Revenue Procedure 2021-25](https://www.irs.gov/pub/irs-drop/rp-21-25.pdf). Next year, the minimum deductible on an HSA-qualified High Deductible Health Plan will remain at $1,400 for single coverage and $2,800 for family coverage in 2022; the out-of-pocket limit will increase from $7,000 to $7,050 for those with single coverage and from $14,000 to $14,100 for those with family coverage; and the contribution limit will increase from $3,600 to $3,650 for those with single coverage and from $7,200 to $7,300 for those with family coverage.

Obviously, the out-of-pocket limits on an HSA-qualified plan are significantly lower than for non-HSA plans, even after the reduction from $9,100 to $8,700 in 2022. This is something that agents will want to point out to clients who are weighing their options: not only do HSA-qualified plans allow eligible individuals to pay for medical expenses with tax-free dollars, they also offer better catastrophic protection than many of today’s copay plans.

[View full post](https://learn.ahcpsales.com/blog/2022-cost-sharing-increase-is-lower-than-expected)

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