A High Deductible Health Plan (HDHP) is a type of health insurance plan characterized by higher deductibles and lower premiums compared to other health plans. HDHPs require you to pay a higher amount out-of-pocket before your insurance starts to cover costs. For 2024, the IRS defines a high deductible as at least $1,600 for individual coverage and $3,200 for family coverage. Many patients will choose a health insurance plan with a lower premium (monthly rate). While these plans are less costly month to month, basic care will usually cost significantly more than a copay.

You will pay the full contracted rate (or allowed amount) set by your insurance company for all appointments towards their deductible. Once your deductible is met, insurance will start paying towards your care. These visits are still considered covered and in-network, but they are covered by your deductible.