What is a High-Deductible Health Plan (HDHP)?
For 2011, any individual plan with a deductible of $1,100 or higher is considered a high-deductible health plan (HDHP). The deductible for a family HDHP must be at least $2,400.
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HDHPs are a good choice for people who want to have emergency coverage and save money on their plan. So how can you save money on health insurance with a high-deductible plan?
- HDHPs feature lower premiums than many other plans
- You are eligible to open a Health Savings Account (HSA) and save money tax-free.
- Many HDHPs provide coverage for preventive care such as routine doctor’s visits and annual physicals.
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