Dear Mustachians,
I have read the guidelines from the IRS for 2017. They say the minimum required deductible is $2600 for daily coverage. The maximum out of pocket is $13,100, again for family coverage.
I think I know how to read, but almost every plan available falls between those two. Am I missing something? Are almost all plans for 2017 high deductible health plans?
For example, a Silver plan for 2017 shows $4500 per family deductible and an Out Of Pocket Maximum of $12,000. A glance at the first paragraph of this post shows that those numbers are above and below the minimum and maximum. Does that mean that this Silver plan is HSA eligible?
My insurance broker says no. According to him, only the plans that say "HSA eligible" in their description (and some few of them do) are HSA eligible. All of these plans are Bronze type plans with 12,500 family deductibles or so.
What say the Mustachians?
Can I read, or do I listen to my insurance broker because I obviously can't read?
I would like to keep my HSA account and contribute to it in 2017, but I really do not like the idea of buying a Bronze plan again.
Please help me out if you know the answer.