High-Deductible

Her employer offered only a high-deductible health plan; that meant she'd have to pay up to $6,000 out of pocket each year. Advocates for patients say this sort of underinsurance is snatching lives.

The new calculation reduces by $50 the amount a family can put into these HSA accounts this year. Anyone who has already funded the account at a higher level will need to adjust, or risk IRS scrutiny.