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High Deductible Health Plans for Individuals
High Deductible Health Plans for Individuals
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.
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How it Works

With a High Deductible Health Plan (HDHP), preventive services such as routine physicals, screenings and vaccinations are covered in full.* The deductible does not apply to preventive services; they are covered in full from day one.

Image: How it Works

For services other than preventive care, you are responsible for paying out of your pocket until you meet your deductible. The deductible amount will vary based on your plan, so make sure you know what that amount is.

Once you reach your deductible, you will pay a percentage of cost, called coinsurance. Coinsurance is your share of the costs of a covered health care service, calculated as a percent. You will have to pay a percentage of that service and the health insurance company will pay the rest.

Out-of-Pocket Maximum
To help you with your costs, there is an out-of-pocket maximum which is an annual limit on the amount of money that you would have to pay for health care services, not including your monthly premiums. Remember preventive care is covered in full and is not subject to the deductible.

* In accordance with the PPACA preventive care regulations, full coverage (no cost share) will be applied for those services meeting the requirements as outlined in Grade A and B Recommendations of the United States Preventive Services Task Force.

Image: Example
Health Savings Account

You have the option to set up a unique account called a Health Savings Account or HSA to help you cover the costs associated with a high deductible health plan.

What is an HSA?
An HSA is a tax-free funding account owned by you that helps you pay for qualified medical expenses such as lab fees, prescription drugs, contact lenses, chiropractor visits and more. The money you put into your HSA is not subject to federal income tax when you make the deposit. There are limits to how much you can contribute.

In 2016 the maximum is:
  • $3,350 for single coverage
  • $6,550 for family coverage

If you’re under 65 and you withdraw money from your HSA for non-qualified medical expenses, you will be taxed at your income tax rate plus have to pay a tax penalty.

Get Started
To take advantage of the savings that a Health Savings Account can provide to you and your family, contact your financial institution.

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

HSA Basics

How do I use my HSA?

Glossary of Terms

Calculate Your Costs
Image: Calculator Use our
HDHP Calculator or Cost Estimator
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