An HSA-qualified plan, or High-Deductible Health Plan (HDHP), is designed to be paired with a Health Savings Account (HSA). For 2025, these plans must have minimum deductibles of $1,650 for individual coverage and $3,300 for family coverage, with maximum out-of-pocket limits of $8,300 and $16,600, respectively.
Unlike traditional health plans, HDHPs typically don’t offer copayments for services like doctor visits or prescriptions before meeting the deductible. Instead, you pay the full discounted rate for services until the deductible is met. Preventive care, however, is covered at 100% without cost-sharing.