Also, for 2012, my in network deductible is $500 but out of network is $1500 - would this qualify me for an HSA in 2012 ?No.$500 is less than $1250 (self) or $2500 (family)If so, I will qualify...I would check with the insurance provider whether the plan you will have for 2013 is indeed a high-deductible health plan (HDHP)My experience is that if the plan qualifies they make a point of stating that - usually even making it part of the plan name - ex: "HDHP plan by Cigna"If what you signed up for 2013 wasn't labeled as a HDHP, IMO it's very likely it isn't a HSHP and you don't qualify for an HSA. But I would certainly check with whoever's providing you coverage (your HR department if it's through a job, or the insurance agent if it's not)Good luck.BTW: there are two HDHP/HSA boards on TMF - although they don't have much traffic.
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