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What is a High Deductible Health Plan (HDHP)?
A qualified High Deductible Health Plan is a health plan that meets the requirements below for annual deductibles and out-of-pocket expenses. High Deductible Health Plans do not have co-pays for doctor visits or prescription drugs. However, these plans could be "network plans".
| Coverage | Annual Deductible | Annual Out-of-Pocket Expenses |
| Individual | $1,100 minimum* | Not more than $5,600 * |
| Family | $2,200 minimum* | Not more than $11,200* |
| * These amounts are effective for the 2008 tax year. Amounts are indexed annually. | ||
Embedded deductibles in family health plans are allowed in qualified High Deductible Health Plans only when the individual embedded deductible is at least $2,200.
Some qualified plans may have a first-dollar benefit or low-deductible benefit for preventive care only. Preventive care includes the following:
- Periodic health evaluations, such as annual physicals (and the tests and diagnostic procedures ordered in conjunction with such evaluations)
- Well-baby and/or well-child care
- Immunizations for adults and children
- Tobacco cessation and obesity weight-loss programs
- Screening devices
* IRS Guidelines state: "preventive care generally does not include services or treatments intended to treat an existing illness, injury or condition."
* For the High Deductible Health Plan to be an eligible plan it cannot contain prescription drug copayments. It may, on the other hand, provide a prescription drug discount program.
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