I am married, I have a health care coverage through my employer which covers my family. My spouse is covered under this plan and does not have his own health insurance. There is not an HSA account attached to this plan and I cannot contribute to it. Our plan has an individual $2750/ family $5500 deductible. Routine services are a copay but anything else I pay member rate and goes towards the deductible. From reading the description of HDHP it seems like it qualifies as such.
