High Deductible Health Plan (HDHP) This plan features low premiums and an integrated deductible for both medical and pharmacy costs. When a High Deductible Health Plan is paired with a Health Savings Account (HSA), you can set aside tax-free money for current-year healthcare expenses and build savings for the future.

How an HDHP Works

A High Deductible Health Plan gives you solid healthcare coverage and greater control over healthcare spending:

• No copayments - When you have medical and prescription costs, they apply to your deductible.
  
  
• Preventive services coverage - Many preventive services are covered 100 percent before you meet the deductible.
  
  
• Specified out-of-pocket maximum - The plan has a built-in cap on annual healthcare expenses; your deductible applies to the maximum.
  
  
• Opportunity to open a Health Savings Account (HSA) - Save tax-free money to pay deductible or coinsurance; you, your employer, or both can contribute to an HSA.
  
  
• Lower premiums - High Deductible Health Plans usually have lower premiums than other kinds of health plans.