Blue Cross / Blue Shield Deductible Carryover with HSA allowed?

[Guest Okypinoky]

Good Morning:

Recently, our company, who is on an October to October Plan year cycle, began offering the HSA, of which I signed up for - even though I had a pending baby due. The baby was born 21 December.

This month (Feb.) I have noticed the Blue Cross "restarted" my deductible accumulation (set at 5400.00) as of 01 January back to zero, wiping away any amounts I paid during the first three months of the plan year. However, it was explained by the company that once we fill out a form and turn it in with our EOBs, any deductible amounts accrued thus far would be carried over to the next calendar year, and we could complete our plan year. However, it appears that is not so, at least according to the health care provider.

Can someone give me some guidance on the IRS rules. It is a shock that after having a baby and obviously meeting my 5400.00 deductible, that that deductible was only good for 3 months - now I have to start over??!!?? This will make my plan year cost $10,800.00. How can this be??

Any help would be greatly appreciated!!!

[Guest chloe]

The deductible carryover is not allowed under the HSA rules. States that had a deductible carryover law had to amend the law to exempt HDHPs with HSAs from the requirement otherwise these plans couldn't be sold in state.