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High-deductible health plans (HDHP)

A high-deductible health plan is a type of health insurance that typically has lower premiums but higher deductibles. Often HDHPs are associated with health savings accounts. If you have the two in combination, you may be able to deduct HSA contributions from your annual taxes.

The IRS sets levels for what a qualifying HDHP is each year:

 Plan type 2014 2015 2016
Minimum single deductible $1,250 $1,300 $1,300
Minimum family deductible $2,500 $2,600 $2,600
Maximum single out-of-pocket $6,350 $6,450 $6,550
Maximum family out-of-pocket $12,700 $12,900 $13,100


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