Did you have any contributions to an HSA on your W-2? If you did, you would have a code W amount in Box 12. If you have insurance through the Marketplace, all you need to do is enter your 1095-A. You must have an HDHP to make contributions to an HSA, but an HDHP is not required to use money in your HSA (distributions). Form 8889 reports both contributions to and distributions from an HSA.
You are correct that some marketplace plans have high deductibles, but those questions are asking about HSA contributions, specifically, contributions in Box 12 of your W-2 with code W. If you don't have HSA contributions on your W-2, you should answer NO to the HDHP questions. You must have an HDHP to contribute to an HSA, but not to take distributions from an HSA.
In order to contribute to an HSA, you must have an HDHP. Line 14 from 8889 is for distributions. You can have distributions from an HSA without having an HDHP. Distributions from an HSA are reported on Form 1099-SA. If you have that form, enter it, but answer NO to any HDHP questions. As long as you tell TurboTax that the amount on 1099-SA was used for qualified medical expenses, it won't be taxable.
All of the above is assuming you did not have any contributions to an HSA in 2021.
What is a health savings account (HSA)?
What is a high-deductible health plan (HDHP)?
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