How is the family deductible met in the Basic HSA?

The Basic HSA deductible for Employee + One or More coverage is $5,000 in-network and $10,000 out-of-network. All eligible in-network and out-of-network expenses from covered family members apply toward the deductible. For example, if just one family member has $5,000 in eligible in-network expenses, the deductible is considered met for all family members for in-network expenses. However, coinsurance for out-of-network expenses would not be met until the $10,000 out-of-network deductible has been met. Remember, no coinsurance applies in the Basic HSA until the family deductible is met.