Qualify for Georgia adjustment for High Deductible Health Insurance Family premium paid after tax with OOP max in-network $7400 and out-of-network $14800?

[Kay21]

The criteria say family health plan has a deductible of at least $2,400 and out-of-pocket of $12,100. My deductible for both in and out network > $2400, but my in-network OOP < $12100 and my out >$12100.

[BillM223]

If you paid for health insurance premiums with after-tax dollars, you will need to find out if the policy is an HDHP policy under the IRS's rules.

Enter this deduction ONLY if

• your paid health insurance premiums with after-tax dollars (as I noted, not the usual case) AND if
• your health insurance company says that your policy is an HDHP (High Deductible Health Plan) under the IRS rules (they will know).
• Otherwise, don't enter anything.

There is more to being an HDHP than just the premiums and limits. You will be better off just asking your health insurer carrier.

[Kay21]

Thanks for trying to answer.

It is definitely HDHP and premiums definitely paid after-tax.

Early retiree paying premiums with post-tax dollars.

[narayanshrestha]

I have this scenario where I paid premium with after tax dollars after i was laid off and coverage was  extended for six months. The plan was high deductible and meets the deductible and out of pocket max conditions but my carrier says they do not know what is IRS definition of HDHP.

[BillM223]

Your carrier can review IRS Pub 969 to learn about what an HDHP policy is.

However, I would be inclined to think that if they don't know the IRS definition of an HDHP policy, then they are probably not selling an HDHP policy.