HSA, FSA & 401(k) Limit Watch

Why this is recommended

A $500 higher limit caught in January instead of December, an FSA balance spent before it expires, or a catch-up rule change that would otherwise trigger a tax surprise each returns the year's fee.

What the Tab covers

Who it is for

The 60 million workers with a 401(k) and the 35 million with an HSA who set their contribution once a year and never revisit it.

When it runs

The IRS publishes next-year contribution limits between May and November, and FSA grace periods and use-it-or-lose-it deadlines cluster in December and March

Scope

IRS revenue procedures and notices; Treasury and DOL guidance; SECURE 2.0 effective dates; HSA-eligible expense rulings; major recordkeeper announcements from Fidelity, Vanguard, Empower and Schwab; FSA administrator deadline changes from HealthEquity, WEX and Optum

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

IRS contribution limit announcements for HSAs, FSAs, 401(k)s, IRAs, SIMPLE and SEP plans, catch-up rule changes for workers 50 and 60 to 63, Roth catch-up mandates, FSA carryover and grace period deadlines, HSA-eligible expense list changes, and employer match and auto-enrollment rule changes, with the account type and the dollar figure first.

Track tax-advantaged account rules for US workers. Report only confirmed, source-backed items from the last 7 days: IRS contribution and income limit announcements for HSAs, FSAs, 401(k)s, 403(b)s, IRAs, SIMPLE and SEP plans; catch-up contribution rule changes including the age 60 to 63 super catch-up and Roth catch-up mandates; FSA carryover, grace period and run-out deadlines; changes to HSA-eligible expense lists; employer match, vesting and auto-enrollment rule changes from SECURE 2.0 effective dates; and recordkeeper fee or fund changes at Fidelity, Vanguard, Empower and Schwab. Prefer IRS, Treasury, DOL and recordkeeper sources; ignore speculation about limits not yet published. Put the account type and the dollar figure first in the title. Use high severity for a deadline within 30 days or a rule change that could cause an excess contribution penalty. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it applies to, the deadline, what to do, and the source link. If nothing qualifies, push nothing and submit the run receipt.