The IRS defines a High Deductible Health Plan in this way in IRS Publication 969:
An HDHP (High Deductible Health Plan) is an insurance plan
that has
- A
higher annual deductible than typical health plans, and
- A
maximum limit on the sum of the annual deductible and out-of-pocket
medical expenses that you must pay for covered expenses. Out-of-pocket
expenses include copayments and other amounts, but don’t include premiums.
HDHP
Requirements (2017)
Self-only
coverage
- Minimum
annual deductible - $1,300
- Maximum
annual deductible and other out-of-pocket expenses* - $6,550
Family
coverage
- Minimum annual deductible - $2,600
- Maximum annual deductible and other
out-of-pocket expenses* - $13,100
Note that there are some other requirements - what you should do is contact your HR person or benefits coordinator or even the insurance company with your policy information and just ask. They will know (and if they don't then maybe it's not an HDHP).
