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There are many types of health insurance plans available each with a set of plusses and minuses. To qualify as an HDHP and to take advantage of all the associated benefits the IRS sets minimum deductibles and maximum out-of-pocket costs. A high-deductible health plan HDHP is simply any health plan that offers lower monthly premiums and a higher-deductible.
Of your health care costs at that point it will vary based on your individual plan.
A high deductible plan HDHP can be combined with a health savings account HSA allowing you to pay for certain medical expenses with money free from federal taxes. If you have an HDHP your insurance will not kick in until you hit at least these. Health savings accounts and high deductible health plans. High-Deductible Health Plans Defined.
