I'm puzzled by the rules for High Deductible Health Plans.

For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family.

That's understandable. My in-network deductible for individuals is $1,500 and $3,000 for family, so the plan qualifies as HD.

An HDHP’s total yearly out-of-pocket expenses (including deductibles, copayments, and coinsurance) can’t be more than $6,750 for an individual or $13,500 for a family.

This seems to imply that the OOP must be less than $6,750, and that seems completely bass-ackwards.

Thus, am I reading it wrong, or is the regulation completely bass-ackwards?



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