A «worst - case scenario» is typically going to occur only for a small number of people, and HDHPs generally provide generous coverage
above the higher deductible, including an out - of -
pocket maximum for protection.
For example, a single person can purchase a qualified plan with a $ 5000 deductible; however, that person's
maximum HSA contribution would still be limited to that year's cap (see
above) for single coverage (Note: the in - network out - of -
pocket max, including the deductible, for your HSA qualified policy may not can not exceed the out - of -
pocket maximum allowed by federal law.