If I have a ppo plan with HSA do I check that I was covered by a HDHP? The only other option is that I didn't have coverage and that isn't correct.

Forum|Forum|6 years ago
February 10, 2020
5 replies
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TurboTax Premier Online

Bsch4477

Level 15

There is a difference between having coverage and having that coverage by a HDHP. The latter is required to be able to contribute to an HSA. Also a PPO plan can be a HDHP as well. Check with your employer or health plan to find out what you have.

susihan

Level 2

I am experiencing this same issue. I am covered by an Anthem PPO with HSA. It would appear that you don't have to have an HDHP to have an HSA, but TurboTax doesn't provide that option.

MaryK4

Alumni - Intuit

In general, there is a lot of confusion with HSA and the requirements- in most cases if your company offers the HSA they do so BECAUSE you have the HDHP. It's only when the insurance or the HSA is not in the same benefit plan that the taxpayer might not qualify. The HDHP just refers specifically to the deductible- so PPO, HMO,etc all CAN be HDHP.

See What is a high deductible health plan (HDHP)?

@susihan

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Kgould

Level 2

I am having this issue aswell, my PPO plan is not a high deductible plan, and I am qualified to have an HSA with them that my employer only contributes into. Turbo tax said I would have to be penalized which is astronomical.