The reason I ask is because of examples like the following: I have an HSA-eligible plan with my company. When benefits were announced, the plan was announced with a $2,500 individual deductible, and $5,000 family deductible with an embedded deductible, meaning that once a single person on the family plan incurs $2,500 in expenses, the deductible would be met and the plan would start paying In contrast, a non-embedded or "aggregate" deductible would require that individual to meet the family deductible of $5,000. However, the minimum family deductible for an HSA plan in 2015 is $2,600 and HSA regulations state that anyone on a family plan must meet the minimum family deductible before insurer cost sharing begins.
The $100 difference could have crushed the HSA-eligibility of the plan for any family policies. I work as an actuary at a consulting firm with some very smart health insurance minds, but that little detail slipped by whoever was in charge of constructing our own benefits, as well as slipped by the insurer who was administering the coverage. Someone in my office caught it and told them, and they announced sometime during or after open enrollment that the individual deductible would now be $2,600 which would allow the embedded deductible in family policies while maintaining HSA eligibility.
I guess what I'm saying is that it's good to check on these things.