Your are VERY VERY VERY CONFUSED. We were talking about the 60/40 split for employer vs employee contributions. WRT the split the HSAs barely made the test, when compared with the bronze non-hsa plan rules, so they didn't kill hsa's yet. In part because most corporations keep getting exempted.Your not listening. Get off your knees. HSAs barely made the cut and it was not by design.
Here's the ACA defining a key aspect of benefit design (which is what we're talking about with these kinds of plans, cost-sharing) for health insurance in the U.S. in 42 U.S. Code § 18022 - Essential health benefits requirements:
The cost-sharing incurred under a health plan with respect to self-only coverage or coverage other than self-only coverage for a plan year beginning in 2014 shall not exceed the dollar amounts in effect under section 223(c)(2)(A)(ii) of title 26 for self-only and family coverage, respectively, for taxable years beginning in 2014.
Hey, what's this Section 223 of the IRS Code they're using to define all health insurance plans in the U.S. all about? My goodness, it's 26 U.S. Code § 223 - Health savings accounts.
How bizarre! Accidentally tagging benefit design for ACA-compliant plans to the section of U.S. law on HSAs and the HDHPs that can be paired with them. Someone should tell them they made the standards for HSAs the standards for all health insurance. Because they certainly couldn't have done that by design!
What a happy accident that a fifth of all exchange plans ended up being HSA compatible.
The stuff you are citing is the ACA rules for maximum deduction. IOW if an HSA plan wanted to let you have a higher deductible for less premium cost, IT CAN'T BECAUSE THE ACA LAWS LIMIT HSA MAXIMUM DEDUCTION TO 5K SINGLE AND 10K FAMILY.
Nice try. But proving I'm right is not the same as proving I'm wrong. The reason HSAs made sense was you get a discount for taking the higher deductible. With govco mandating what that deductible is and what you have to fund that is not covered by the employee... they will be eliminating not just HSAs but all employer funded insurance plans through regulatory forced increases in cost of premiums.