High Deductible Health Insurance

To be eligible for a health savings account, you have to have  high deductible health insurance and the deductible limits change every year. For 2013 and 2014, the annual deductible can't be less than $1,250 for individual coverage and $2,500 for family coverage. The maximum annual deductible can't exceed $6,250 for individuals ($6,350 for 2014) and $12,500 for families ($12,700 for 2014). A high deductible health insurance policy can however have a zero deductible for preventive care. The maximum deductible only applies to the network of participating providers.