High Deductible Health Plans (HDHP's)

What are High Deductible Health Plans (hereafter referred to as HDHP's) and how can these plans save you money? These plans give you flexibility of physician choices and, in conjunction with a Health Savings Account, offer you tax advantages to offset health care costs. An HDHP has:

A higher annual deductible than typical health plans, and
A maximum limit on the sum of the annual deductible and out-of-pocket medical expenses that you must pay for covered expenses. Out-of-pocket expenses include copayments and other amounts, but do not include premiums.

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An HDHP may provide preventive care benefits without a deductible. Preventive care includes, but is not limited to the following:

Periodic health evaluations, including tests and diagnostic procedures ordered in connection with routine examinations, such as annual physicals.
Routine prenatal and well-child care.
Child and adult immunizations.
Tobacco cessation programs.
Obesity weight-loss programs.
Screening services. This includes screening services for the following:
1. Cancer
2. Heart and vascular diseases
3. Infectious diseases.
4. Mental health conditions.
5. Substance abuse.
6. Metabolic, nutritional, and endocrine conditions.
7. Musculoskeletal disorders.
8. Obstetric and gynecological conditions.
9. Pediatric conditions.
10. Vision and hearing disorders.

In order for a health insurance plan to be considered a qualified HDHP under IRS rules, the annual deductible must be at least $1,050 for a self-only plan and/or $2,100 for a family plan.

Prescription Drug Plans and HDHP's

You can have a prescription drug plan, either as part of your HDHP or a separate plan (or rider), and still qualify as an eligible individual if the plan does not provide drug benefits until the minimum annual deductible of the HDHP is met. If you can receive benefits before that deductible is met, you are not an eligible individual.

Your insurance professional can guide you in order to ensure that you meet the IRS guidlines for qualied HDHP plans in order to be able to benefit from an HSA. If you would like to receive multiple HDHP health insurance quotes from professionals in your area, then enter your information in the quote box at the top right of this page. You will instantly be matched with several top insurance professionals and health plans for you to compare.

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High Deductible Health Plans (HDHP's)

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