High Deductible Health Plans (HDHPs)
What is a High-Deductible Health Plan (HDHP)?
A HDHP is a health insurance policy featuring lower monthly premiums paired with higher annual deductibles that you must pay before coverage begins. These plans typically qualify individuals to open, contribute to, and maintain a Health Savings Account (HSA).
2027 HDHP Requirements
For a plan to qualify as an HDHP and allow Health Savings Account (HSA) contributions, it must meet the following limits:
Minimum Deductibles
The minimum deductible is the amount an employee must pay out of pocket each year before the health plan begins to share in the cost of care.
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Self-only coverage: $1,750 (+$50 from 2026)
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Family coverage: $3,500 (+$100 from 2026)
Maximum Out-of-Pocket Costs
The out-of-pocket maximum is the most an employee will pay for covered in-network care during the year.
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Self-only coverage: $8,700 (+$200 from 2026)
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Family coverage: $17,400 (+$400 from 2026)
Once the deductible is met during the year, the plan begins sharing costs with the employee through copays and coinsurance. Copays are set dollar amounts for services like doctor visits or prescriptions. Coinsurance is a percentage of the cost of a covered service that the employee pays, such as paying 20 percent while the plan pays the remaining 80 percent. Both copays and coinsurance count toward the out-of-pocket maximum. Once the out-of-pocket maximum is reached, the plan covers 100 percent of eligible in-network services for the remainder of the year.
