Insurance Glossary

Insurance Term - Qualified High-Deductible Health Plan

A health plan with lower premiums that covers health care expenses only, after the insured has paid a large amount out-of-pocket or from another source each year. To qualify as a health plan coupled with a Health Savings Account (HSA), the Internal Revenue Code requires the deductible to be at least $1,000 for an individual and $2,000 for a family. High-deductible plans are also known as catastrophic plans.

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