To qualify for a Health Savings Account (HSA), one needs a High Deductible Health Plan (HDHP).
The IRS defines a HDHP as a plan with an "annual deductible that is not less than $1,300 for self-only coverage or $2,600 for family coverage, and the annual out-of-pocket expenses (deductibles, co-payments, and other amounts, but not premiums) do not exceed $6,550 for self-only coverage or $13,100 for family coverage."
If my health coverage's deductibles are not this high, I suppose I am shut out of a HSA. Are there any exceptions?