I have a CDHP health insurance plan that comes with an Health Savings Account. As I'm filing my taxes, Turbotax has informed me that my HSA is being additionally taxed because I do not have HDHP coverage.

Does my CDHP plan count as HDHP for tax purposes? If not, why do employers offer CDHP with HSA?

If its relevant: my deductible is $2000 in network and $4000 out of network

I found this site which claims that the 2016 minimum deductible for HSAs is $1300 for my case, which seems to imply that my plan is an HDHP. Is my interpretation correct?

  • Are you by any chance claimed as a dependent on someone else's tax return? Do you have any other health coverage that might make you no longer eligible for the HSA?
    – Ben Miller
    Jan 28, 2017 at 2:27
  • Do you have any more information as to why Turbotax thinks you don't have HDHP coverage?
    – Ben Miller
    Jan 28, 2017 at 2:36
  • @BenMiller I am not a dependent and I have no other insurance Jan 28, 2017 at 2:54
  • I'm trying to figure out why TurboTax thinks you don't have HDHP coverage. Did TurboTax ask you if you had an HDHP, and you said "no"?
    – Ben Miller
    Jan 28, 2017 at 2:55
  • @BenMiller Yeah, I initially said no because my plan said CDHP and not HDHP, but it seems like that was a mistake. Jan 28, 2017 at 3:06

1 Answer 1


As I understand it, Consumer-Driven (or Consumer-Directed) Health Plan is a relatively recent marketing term for health insurance plans. The term has no legal definition, but a CDHP generally is a lower-cost health plan bundled with some sort of health spending plan, such as an HSA, FSA, or HRA.

A CDHP can consist of an HSA and an HSA-eligible HDHP, but it also can be something else.

There are several regulations that a health plan needs to meet in order to be considered an HSA-eligible HDHP, and the best way to determine whether or not it is would be to ask the insurance company themselves. If your plan is a CDHP with an included HSA, and your deductible is over $1300 (for a self-only plan), it is most likely an HSA-eligible HDHP.

Remember that in order to remain qualified for the HSA, you aren't allowed to have any other health coverage.

You must log in to answer this question.

Not the answer you're looking for? Browse other questions tagged .