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Smart Benefits: HSA Limits Will Increase in 2015

Monday, April 28, 2014


The IRS has approved HSA limits for 2015, which feature small increases for contributions, deductible amounts and out-of-pocket maximums.

Consumer Savings 

The new limits will allow consumers to save slightly more next year. They can set aside:

• $3,350 for an individual plan
• $6,650 for a family plan.

The extra amount consumers can save will help cushion against a slightly higher deductible amount of $1,300 for an individual plan or $2,600 for a family plan.

The plan out-of-maximum – the maximum amount consumers can spend on co-pays, deductibles and coinsurance – will also increase slightly from 2014. In 2015, it will be $6,950 for an individual plan and $12,900 for a family plan.


Amy Gallagher has over 21 years of healthcare industry experience guiding employers and employees. As Vice President at Cornerstone Group, she advises large employers on all aspects of healthcare reform, benefit solutions, cost-containment strategies and results-driven wellness programs. Amy speaks regularly on a variety of healthcare-related topics, and is often quoted by national publications on the subject matter. Locally, Amy is a member of SHRM-RI, the Rhode Island Business Group on Health, and the Rhode Island Business Healthcare Advisory Council. 


Related Slideshow: Top 10 Hospitals in Rhode Island Rated By Patients

Using the latest results from the Hospital Consumer Assessment of Healthcare Providers and Systems, also known as the HCAHPS Survey, GoLocal has created a ranking of New England's Best Hospitals Rated by Patients.

Read more about GoLocal's methodology here

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#10 Kent County Memorial Hospital

Kent County Memorial Hospital

Warwick, RI

New England Rank: 61

No. of Beds: 359

Kent Hospital is a nonprofit, acute care hospital which serves a number of towns in central Rhode Island. Kent’s Emergency Services Department receives 70,000 visits each year, making it the second busiest in the state.

Highlights: When surveyed, 80% of patients stated that 80% of their doctors communicated well with them, and 78% said that their nurses did. 

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#9 Rhode Island Hospital

Rhode Island Hospital

Providence, RI

New England Rank: 57

No. of Beds: 719

This private, not-for-profit hospital was founded in 1863 and has been serving Southeastern New England for over 150 years. Rhode Island Hospital acts as a major trauma center for the region, while also providing the Ocean State with the only facility dedicated solely to pediatric care.

Highlights: 78% of patients reported that their doctors always communicated well, and and 76% said their nurses did.

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#8 Memorial Hospital

Memorial Hospital of Rhode Island

Pawtucket, RI

New England Rank: 49

No. of beds: 294

This community hospital has provided primary and ambulatory care services for residents of the Blackstone Valley of Rhode Island and southeastern Massachusetts for 120 years.

Highlights: Memorial’s highest marks were earned for its staff’s communication skills—84% of patients said they were given information about what to do during their recovery at home.

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#7 St. Joseph of RI

St. Joseph Health Services and Hospital of RI

North Providence, RI

New England Rank: 32

No. of beds: 231

St. Joseph's treated 188 patients in its first year in 1892, and now, it currently serves 99,000 patients annually.

Highlights: Great communication at St. Jospeh got the highest marks from patients--82% said nurses always communicated well, and 80% said the same of doctors.

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#6 Roger Williams

Roger Williams Medical Center

Providence, RI

New England Rank: 28

No. of beds: 176

Located in one of Providence’s oldest neighborhoods, Roger Williams is a community-owned and governed health care organization that provides some of the most advanced specialty care currently available.

Highlights: RW's highest marks were earned for its staff’s communication skills—86% of patients said they were given information about what to do during their recovery at home.

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#5 Women and Infants

Women and Infants Hospital of RI

Providence, RI

New England Rank: 24

No. of beds: 247

One of the nation’s leading specialty hospitals for women and newborns, Women & Infants is the ninth largest stand-alone obstetrical service in the country with nearly 8,400 deliveries per year. In 2009, Women & Infants opened what was at the time the country’s largest, single-family room neonatal intensive care unit. 

Highlights: Stellar communication is a hallmark at Women and Infants—82% of patients said they were given information about what to do during their recovery at home.

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#4 Westerly Hospital

Westerly Hospital

Westerly, RI

New England Rank: 9

No. of beds: 125

The Westerly Hospital is a 125-bed hospital featuring private patient rooms that provides Washington (RI) and New London (CT) County residents a wide array of medical, surgical, laboratory and rehabilitative services using state-of-the-art technology in an intimate, community hospital setting.

Highlights: Communication is key at Westerly Hospital—83% of patients said they were given information about what to do during their recovery at home.

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#3 Newport Hospital

Newport Hospital

Newport, RI

New England Rank: 6

No. of beds: 129

Founded and funded by Newporters in 1873, Newport Hospital began as a 12-bed cottage hospital on donated land, and now has 129 licensed beds. In 2011, the hospital received its second consecutive designation as a "Baby Friendly" hospital by the World Health Organization and UNICEF.

Highlights: Newport’s highest marks were earned for its staff’s communication skills—86% of patients said they were given information about what to do during their recovery at home.

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#2 Miriam Hospital

Miriam Hospital

Providence, RI

New England Rank: 5

No. of beds: 247

Founded in 1926, Miriam Hospital is a private, not-for-profit hospital, with a history of providing superior patient care. The hospital is staffed by more than 870 physicians, approximately 50 full-time house staff (medical school graduates), a nursing staff of 500 and more than 2,300 employees.

Highlights: The overall patient experience at Miriam Hospital was incredibly positive—83% said they would definitely recommend the hospital to another person.

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#1 South County Hospital

South County Hospital Inc.

Wakefield, RI

New England Rank: 1

No. of beds: 93

An independent, non-profit, acute-care hospital in Rhode Island, South County Hospital offers the latest advances in technology and a comprehensive range of medical and surgical services to its patients.

Highlights: Great communication is a hallmark at South County--85% of patients said their doctors communicated well, and 85% said their nurses did. Additionally, 91% of patients reported that they were given information about what to do during their recovery at home.


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