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High Deductible Health Plans for Groups
A high deductible health plan may work a little differently than other health insurance plans you've had in the past. A high deductible health plan or “HDHP” is designed to help keep premium costs low for you and your family.
Are you an Employer or Broker? Visit our Employer and Broker pages for more information.
How it Works

You get great coverage with a High Deductible Health Plan and can add a Funding Account to help reduce out-of-pocket expenses, which could reduce your taxable income.

Image: Illustration of How a HDHP Works
Key Components

A High Deductible Health Plan

With a HDHP, preventive services are covered in full. For other services, you pay a deductible up to a certain amount, depending on the plan chosen by your employer. After you reach the deductible, you pay a percentage of cost but are protected by an out-of-pocket maximum.

All of our high deductible health plan options offer:

  • Preventive services that are covered in full
  • Access to more doctors, specialists and hospitals
  • Ability to pay your out-of-pocket expenses any way you choose – ask your employer about your funding options
  • Exclusive discounts on health and wellness programs with Blue365

Plus, our HealthyBlue members get up to $1,000* cash back for doing healthy things

*$500 individually, or a combined $1,000 cash back for you and an eligible adult member

Funding Account Options

New Members - Get Started

What do you need to get started?

Frequent Questions
Find answers to frequent questions and definitions of CDHC terms.

Health Savings Accounts (HSA)

Health Reimbursement Accounts (HRA)

Flexible Spending Accounts (FSA)

Glossary of Terms

Ways to Live Healthier & Save Money

Consumer driven health care empowers you to take control of your care. Here are some things you can do to take care of yourself and get the most value for your dollar.

Use Network Providers - Access in-network doctors, specialists and pharmacies to save money on your care.

Get Recommended Preventive Care - Preventive care is covered in full for your plan. Getting regular exams and screenings will help you live healthier.

Take Advantage of Our Online Tools:

  • Blue 365 - get discounts on health and fitness products and services.
  • Step Up - enjoy our free fitness and nutrition program.
  • 6,000+ Health Topics - learn about conditions, medications and more.
  • Health Coaching - get answers to virtually any health care question.
  • Quit for Life - live healthier with our tobacco cessation program.
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