Learn More About…

smallHigh Deductible Health Plan (HDHP) stethoscope

High Deductible Health Plans

  • How High Deductible Health Plans work
  • What qualifies as an HDHP
  • Tax savings from HDHP’s
squreqtr small HSA contribution limits 2013

Choosing Health Insurance

  • How to select a Health Insurance plan
  • What is a Preferred Provider Organization (PPO)?
  • Health Maintenance Organization (HMO’s), and how they differs
small piggy bank 2

Health Savings Accounts

  • What is an HSA and who is eligible?
  • Qualified medical expenses for your HSA dollars
  • Contribution limits, tax savings, and investment options
Compare HDHP Quotes

Compare HDHP Quotes

  • Common questions and answers
  • Insurance quote breakdown
  • Which plan is best for me?


What is an HDHP?

High Deductible Health Plans (HDHP’s) are a subset of health insurance plans.  All HDHP’s are insurance plans, but not all insurance plans are HDHP’s.  A HDHP may take the form of a PPO, HMO, or POS.  Because they are a subset of health insurance plans, they have similar characteristics to what you expect from insurance. They generally have lower premiums and a higher deductible than regular insurance, saving you money each month.

What are the benefits of a HDHP?

1) Lower monthly premiums
2) Insured against serious medical condition
3) Maintain more control and flexibility for how your dollars are spent
4) Eligible for an Health Savings Account (HSA) which builds savings with options for investment.

What qualifies as an HDHP?

For 2015, your health insurance plan must have the following to be considered an HDHP:

  • Minimum Deductible: $1,300 (individual) $2,600 (family)
  • Max Out of Pocket Expenses: $6,450 (individual) $12,900 (family)