The HSA Plus deductible for Employee + One or More coverage is $3,500 in-network and $7,000 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 $3,500 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 $7,000 out-of-network deductible has been met. Remember, no coinsurance applies in the HSA Plus until the family deductible is met.