High Deductible Health Plan

A High Deductible Health Plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. It is sometimes referred to as a catastrophic health insurance plan.

As Related to Health Savings Accounts
Participating in a "qualified" HDHP is a requirement for Health Savings Accounts and other tax advantaged programs. In this context, HDHPs are plans with a minimum deductible of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,500 for self and $11,000 for Self and Family enrollment. These are the 2007 amounts and are adjusted for inflation annually.