"HHS also finalized the clarification of the treatment of other than self-only (family) OOPs that was included in the proposed guidance. Under this guidance, an 'embedded' individual OOP is required for family coverage.... High-deductible plans with health savings accounts (HSAs) often apply a single overall family deductible, and/or family OOP maximum, without an underlying or embedded self-only deductible or OOP maximum. That design is no longer allowed, unless the family-deductible and OOP are no greater than the ACA maximum for the self-only OOP ... If the family deductible in 2016 exceeds the self-only $6,850 OOP limit, then an embedded self-only deductible and OOP is required."