High-deductible health plan

Health care in the United States
Government Health Programs
Federal Employees Health Benefits Program Indian Health Service Veterans Health Administration Military Health System / TRICARE Medicare Medicaid / State Health Insurance Assistance Program (SHIP) State Children's Health Insurance Program (CHIP) Program of All-Inclusive Care for the Elderly (PACE) Prescription Assistance (SPAP)
Private health coverage
Health insurance in the United States Consumer-driven health care Flexible spending account (FSA) Health Reimbursement Account Health savings account (HSA) High-deductible health plan (HDHP) Medical savings account (MSA) Private Fee-For-Service (PFFS) Managed care (CCP) Health maintenance organization (HMO) Preferred provider organization (PPO) Exclusive provider organization (EPO) Medical underwriting
Health care reform law
Emergency Medical Treatment and Active Labor Act (1986) Health Insurance Portability and Accountability Act (1996) Medicare Prescription Drug, Improvement, and Modernization Act (2003) Patient Safety and Quality Improvement Act (2005) Health Information Technology for Economic and Clinical Health Act (2009) Patient Protection and Affordable Care Act (2010)
State level reform
Massachusetts health care reform Oregon Health Plan Vermont health care reform SustiNet (Connecticut) Dirigo Health (Maine)
Municipal health coverage
Fair Share Health Care Act (Maryland) Healthy Howard (Howard Co., Maryland) Healthy San Francisco My Health LA Healthy Way LA

In the United States, a high-deductible health plan (HDHP) 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.^[1] 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.^[2]

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. (However, according to the instructions for IRS form 8889, "this limit does not apply to deductibles and expenses for out-of-network services if the plan uses a network of providers. Instead, only deductibles and out-of-pocket expenses for services within the network should be used to figure whether the limit is reached.") The Internal Revenue Service released the 2010 amounts on May 15, 2009,^[3] which will be modified each year to reflect the change in cost of living.

Year	Minimum deductible (single)	Minimum deductible (family)	Maximum out-of-pocket (single)	Maximum out-of-pocket (family)
2009	$1,150	$2,300	$5,800	$11,600
2010	$1,200	$2,400	$5,950	$11,900
2011	$1,200	$2,400	$5,950	$11,900
2012	$1,200	$2,400	$6,050	$12,100
2013	$1,250	$2,500	$6,250	$12,500
2014	$1,250	$2,500	$6,350	$12,700
2015[4]	$1,300	$2,600	$6,450	$12,900
2016[5]	$1,300	$2,600	$6,550	$13,100

References

1. "High-Deductible Health Plans". Health 401k. Retrieved 25 May 2011.
2. "Publication 969" (PDF). Internal Revenue Service. 11 January 2012. Retrieved 9 June 2012.
3. Revenue Procedure (Rev. Proc.) 2009-29
4. IRS Revenue Procedure 2014-30
5. IRS Revenue Procedure 2015-30