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Actually, HSA compliant plans are, by definition, HDHPs (High Deductible Health Plans). You must have an HDHP to make contributions toward an HSA.

Within the subset of high deductible plans, some are HSA compatible and some are not. Just because it is high deductible does not mean it is HSA compliant.

It may be that a non-HSA compliant has out of pocket costs that are higher out-of-pocket maximums, or some other quirk that doesn't meet with being an HSA compliant HDHP.

Our Bronze plan has higher deductibles than the HSA compliant plan from the same insurer. And as a result it has lower premiums.
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