Is my plan HSA eligible or not?

I work at a small company of about 70 people. My health insurance is $30 copay, $2000 deductible, and $5500 OOP maximum for a single person.

My HR is saying we aren't eligible to contribute to an HSA, but when I read the healthcare.gov they say,

For 2022, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family. An HDHP’s total yearly out-of-pocket expenses (including deductibles, copayments, and coinsurance) can’t be more than $7,050 for an individual or $14,100 for a family. (This limit doesn't apply to out-of-network services.)

So according to that my plan would be HDHP and eligible for me to contribute to my HSA? (I have one from previous employer).

My company has been wrong on some other issues before being a small 70 person company split between US and Canada and with me being a remote working in Colorado and their headquarters in Seattle. It is hard to manage all of that. (I was getting pay deductions for Washington state FLMA in error)

I am a little confused, is my company just small and possible misinformed, or am I missing something here about eligibility for HSA contributions?

Thanks for your help!

submitted by /u/caedin8
[comments]

See also  Best NY Short Term Disability Insurance Companies