In the United States, a high-deductible
health plan is a health insurance plan with lower premiums and higher
deductibles than a traditional health plan. Being covered by an HDHP is also a
requirement for having a health savings account. Some HDHP plans also offer
additional “wellness” benefits, provided before a deductible is paid.
High-deductible health plans are a form of catastrophic coverage, intended to
cover for catastrophic illnesses. Minimum and maximum deductibles
Participation in a qualifying HDHP is a requirement for health savings accounts
and other tax-advantaged programs. As of 2012, HDHPs are plans with a minimum
deductible of $1,200 per year for self-only coverage and $2,400 for
self-and-family coverage. The maximum amount out-of-pocket limit for HDHPs is
$6,050 for self-only coverage and $12,000 for self-and-family coverage.
The Internal Revenue Service released the 2010 amounts on May 15, 2009, which
will be modified each year to reflect the change in cost of living.