Which High Deductible Health Plans Qualify for HSA?

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IRS criteria for HSA-eligible HDHPs

When it comes to Health Savings Accounts (HSAs), not all high deductible health plans (HDHPs) qualify for HSA eligibility. To be considered HSA-eligible, a plan must meet certain criteria set forth by the IRS.

Qualifying Criteria for HSA-Eligible HDHPs:

• The plan must have a minimum deductible amount set by the IRS each year.
• The plan must also have a maximum out-of-pocket limit set by the IRS.
• The plan cannot provide coverage for any non-preventive services before the deductible is met.

How to confirm HSA eligibility

So, which high deductible health plans qualify for HSA? Here's what you need to know:

It's essential to check with your insurance provider or employer to confirm if the HDHP you have or are considering is HSA-eligible.

Not all high deductible health plans (HDHPs) are eligible for a Health Savings Account (HSA), and understanding the criteria can help you save on health costs. To ensure your plan qualifies, consult the IRS guidelines for HSA eligibility.

Common examples of qualifying HDHPs

Common Examples of HSA-Qualified HDHPs:

• Bronze, Silver, Gold, or Platinum plans offered on the Health Insurance Marketplace.
• Employer-sponsored HDHPs that meet the IRS criteria.