Considering the apparently heavier reliance on HDHPs and HSAs, I'd like to point out the current contribution limits are a joke, as are what minimum deductibles qualify for HDHP rules. $2,600 for a family is not a "high" deductible.
In my state a young and healthy family of three, let's say two 30-year olds and a 3-year old, on the private market this year, with no subsidies, getting a silver plan with a $3,000 PER PERSON deductible would cost $2,055 A MONTH in premiums. That's $24,660 per year, out the door, just in premiums, before spending a dime toward the deductible. Don't believe me?
So if an unsubsidized family of three in my state would have to pay almost $25,000 a year just in premiums, what in the hell is going on with these pathetic little HDHP/HSA minimums and maximums?