Among the Platinum, Gold, Silver, Bronze metal tiers laid out by the ACA there is a category called "Catastrophic." These plans are only available to folks under age 30 and others who meet some hardship criteria. The plans you're seeing on the exchange with a $13,700 deductible are in this catastrophic category. Obviously $13,700 is higher than $13,100 a high deductible, but the IRS has decided to leave catastrophic plans out of the HSA eligibility pool. I'm speculating but I presume this is likely because eligibility for a catastrophic plan is limited to young people and those who are financially struggling. If these two demographics had the money to pay the premium and save specifically for health related events they'd be better off on a stronger policy. Additionally, in my small amount of research in to catastrophic plans, I've found the premium wasn't always advantageous to a bronze level plan anyway.