Question 77

An HSA-qualified high-deductible health plan in 2024 must have a minimum deductible of $1,600 single / $3,200 family.

In 2024, the minimum deductible for an HSA-qualified high-deductible health plan is set at $1,600 for an individual and $3,200 for a family. This ensures that plans meet the regulatory standards established for Health Savings Accounts.

A) $1,000 single / $2,000 family

This option is incorrect because the minimum deductible requirements for HSA-qualified high-deductible health plans are higher than the amounts indicated. A deductible of $1,000 single / $2,000 family does not meet the 2024 standards.

B) $1,600 single / $3,200 family

This option is correct as it aligns perfectly with the minimum deductible requirements for HSA-qualified high-deductible health plans in 2024. It meets the regulatory criteria necessary for individuals and families to qualify for Health Savings Accounts.

C) $2,500 single / $5,000 family

This option is incorrect since it exceeds the minimum deductible requirements for 2024. While it may still represent a high-deductible plan, it does not fulfill the minimum thresholds necessary for HSA qualification.

D) $3,000 single / $6,000 family

This option is also incorrect, as it is above the established minimum deductible amounts for 2024. While it remains a high-deductible plan, it does not meet the criteria for HSA qualification.

Conclusion

The correct answer, $1,600 single / $3,200 family, is the only option that meets the established minimum deductible requirements for HSA-qualified high-deductible health plans in 2024. All other options either fall below or exceed the necessary thresholds, thereby failing to qualify under the current regulations.