HDHP High-Deductible Health Plans

High-Deductible Health Plans offer lowest premiums with HSA eligibility and triple tax advantages.

Michael Aman is a licensed independent insurance agent in Columbus, Ohio who helps individuals and families compare HDHP health insurance plans from multiple carriers to find the best fit.

Key Features

• High deductible (minimum $1,600 individual / $3,200 family in 2024)
• Health Savings Account (HSA) eligible
• Preventive care covered before deductible
• Out-of-pocket maximum ($8,050 individual / $16,100 family in 2024)

Advantages

• Lowest monthly premiums of any plan type
• HSA eligible with triple tax advantages
• HSA funds roll over year to year
• Employer may contribute to HSA

Considerations

• High deductible before coverage kicks in
• Higher out-of-pocket costs for routine care
• May discourage seeking care

Best For

Healthy individuals who want lowest premiums and can benefit from HSA tax advantages

Compare All Health Plan Types

• HMO Health Insurance Plans — Health Maintenance Organization plans offer lowest premiums with coordinated care through a Primary Care Physician.
• PPO Health Insurance Plans — Preferred Provider Organization plans provide maximum flexibility with no referral requirements.
• EPO Health Insurance Plans — Exclusive Provider Organization plans combine no-referral specialist access with in-network coverage.
• HDHP High-Deductible Health Plans (this page)