I'm puzzled by the rules for High Deductible Health Plans.
For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family.
That's understandable. My in-network deductible for individuals is $1,500 and $3,000 for family, so the plan qualifies as HD.
An HDHP’s total yearly out-of-pocket expenses (including deductibles, copayments, and coinsurance) can’t be more than $6,750 for an individual or $13,500 for a family.
This seems to imply that the OOP must be less than $6,750, and that seems completely bass-ackwards.
Thus, am I reading it wrong, or is the regulation completely bass-ackwards?
