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State of Connecticut - Insurance Department

FOR IMMEDIATE RELEASE
March 11, 2020
CONTACT: Jim Carson, 860-297-3958
Jim.Carson@ct.gov
 
GOOD NEWS FROM THE IRS FOR CONSUMERS WITH
A HIGH-DEDUCTIBLE HEALTH PLAN AND HEALTH SAVINGS ACCOUNT
 

Connecticut Insurance Department Commissioner Andrew Mais would like consumers with a high deductible health plan (HDHP) with a health savings account (HSA) to be aware of recent IRS guidance on novel coronavirus COVID-19 – related expenses. 

In Notice 2020-15 (PDF), the IRS stated that health plans that otherwise qualify as HDHPs will not lose that status merely because they cover the cost of testing for or treatment of COVID-19 before plan deductibles have been met.

 “This is very good news for Connecticut residents with a HDHP,” said Commissioner Mais. “It removes a concern that contributions to a HSA for individuals with a HDHP that covers these costs could have affected their favorable tax treatment.”

This IRS guidance applies only to HSA-eligible HDHPs. Employees and other taxpayers in any other type of health plan with specific questions about their own plan and what it covers should contact their plan sponsor.

The IRS also noted that, as in the past, any vaccination costs continue to count as preventive care and can be paid for by a HDHP.

 
 
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About the Connecticut Insurance Department: The mission of the Department is to protect consumers through regulation of the industry, outreach, education and advocacy. In FY 2018, the Department recovered more than $4.5 million on behalf of consumers and regulates the industry by ensuring carriers adhere to state insurance laws and regulations and are financially solvent to pay claims. The Department’s annual budget is funded through assessments from the insurance industry. For every dollar of direct expense, the Department brings in about $8.35 to the state in revenues. In FY 2018, the Department returned more than $145 million in assessments, fees, fines and penalties, and taxes to the state’s General Fund.
 
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