Can I start an HSA?

[Daniel Parlegreco]

Hi guys,

I'm very confused as to whether or not I am qualified for a HSA account. I have a subsidized family obamacare plan that has the following deductibles:

$2450 per member

$4900 per family

My health care plan does not offer an HSA with this account, but it would appear based on the current definitions of a HDHP (high deductible health plan) that I do qualify. The IRS has minimums at:

$1300 for self

$2600 for family

I tried calling my health care plan and they basically have no idea if my plan is qualified. The reason I am confused is because the health care plan doesn't offer the HSA, and because one of the foot notes on the IRS site says:

"There are some family plans that have deductibles for both the family as a whole and for individual family members. Under these plans, if you meet the individual deductible for one family member, you don't have to meet the higher annual deductible amount for the family. If either the deductible for the family as a whole or the deductible for an individual family member is less than the minimum annual deductible for family coverage, the plan doesn't qualify as an HDHP."

Does that apply to me? It appears it does. So I'm assuming I don't qualify? Thanks guys so much! Sorry if this is confusing. Appreciate all you knowledgeable folks!!