There are 3 criteria, any of which means you have a High Deductible Plan.
- A high deductible health plan (HDHP) is health insurance with a lower premium and higher deductible than a traditional health plan.
- Having an HDHP is one of the requirements for a health savings account (HSA).
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If your current health insurance plan for 2016 has a minimum deductible of $1,300 (or $2,600 for family coverage) with a maximum deductible of $6,550 ($13,100 per family), then it qualifies as an HDHP.