How High Must the Deductible Be to be HSA Qualified?

Check eligibility on the go — browse 7,000+ HSA-eligible products in the free app.

Deductible requirements for 2021 HSA qualification

When considering opening a Health Savings Account (HSA), one important factor to keep in mind is the deductible requirement to qualify for an HSA. In order to be HSA-qualified, the deductible of your High Deductible Health Plan (HDHP) must meet certain criteria set by the IRS.

So, how high must the deductible be to be HSA qualified?

The deductible for an HDHP to be eligible for an HSA in 2021 must be at least:

• $1,400 for individuals
• $2,800 for families

Why deductible thresholds ensure HSA eligibility

These amounts are reviewed annually by the IRS and are subject to change, so it's essential to stay updated on the current requirements.

To qualify for a Health Savings Account (HSA), your High Deductible Health Plan (HDHP) must adhere to specific deductible requirements set forth by the IRS, which can change annually. For the year 2021, the minimum deductible was $1,400 for individual plans and $2,800 for family coverage, ensuring that individuals are responsible for a greater portion of their healthcare costs before insurance kicks in.