High Deductible Health Plan in the United States

Concept of High Deductible Health Plan (hdhp) in Health Insurance Law

In this context, the following is a definition of High Deductible Health Plan (hdhp): A type of health insurance plan that, compared to traditional health insurance plans, requires greater out-of-pocket spending, although premiums may be lower. In 2010, an HSA-qualifying HDHP must have a deductible of at least $1,200 for single coverage and $2,400 for family coverage. The plan must also limit the total amount of out-of-pocket cost-sharing for covered benefits each year to $5,950 for single coverage and $11,900 for families.

High-Deductible Health Plan (HDHP) in Health Care Law

A definition of High-Deductible Health Plan (HDHP) is available here: These health insurance plans have higher Deductibles and lower premiums than traditional insurance plans. In 2011 and 2012, an HSA qualifying HDHP must have a deductible of at least $1,200 for single coverage and $2,400 for family coverage. The plan must also limit the total amount of out-of-pocket cost sharing for covered benefits. For 2011 these amounts are $5,950 for single coverage and $11,900 for family coverage. For 2012 these amounts are $6,050 for single coverage and $12,100 for family coverage.