Thanks for quick reply.

To use your words - yes - this is the situation:

"taxpayer who is MFS have a Family Plan insurance policy that also is High Deductible coverage?"

And yes, the max is tied to the type of coverage, and $7100 would be the limit for "MFS" here if that's the only issue - the taxpayer covers the whole family - spouse and 2 kids. Spouse is unemployed, or had a job that didn't offer coverage.