A: A High Deductible Health Plan (HDHP) is a health insurance plan with a large minimum deductible. To qualify as an HDHP, the plan must have a minimum deductible of $1,150 for self-only coverage or $2,300 for family coverage. The plan’s out-of-pocket expenses, including deductibles and co-pays, cannot exceed $5,800 for self-only coverage or $11,600 for family coverage. However, an HDHP may have no deductible for preventive care and can charge higher co-pays and co-insurance fees for non-network services.
