In order to be eligible to make tax deductible contributions to an HSA account, you must have a qualifying HDHP (High deductible health plan). Among the requirements, is a deductible and max OOP within certain limits, which for 2016 has an upper bound of $13,100 for a family.
From my point of view, if the deductible and/or max OOP was higher than that, you still would have a "High deductible health plan". Perhaps it could be thought of as "Extremely High", but you would no longer be eligible to contribute to an HSA, which seems generally unfair to me. To make matters worse, the ACA plans available on the exchange are allowed to have a max OOP of $13,700, and after doing a quick search of them yesterday, it turns out that the majority of the plans are maxed out at $13,700, and thus are incompatible with an HSA.
What are the reasons for having an upper bound on the deductible of a qualifying HDHP? Is the fact that the exchange plans have a higher deductible just a mishap?