What is a family deductible?

Some CDHPs require both an individual and family deductible be met within a plan year. Those limits are set by the IRS [see IRS location].

Coaches' Takeaway

A deductible is the amount of financial responsibility you have to satisfy before your insurer pays any claims on your behalf. When you purchase a QHDHP, the deductible amounts are set by the IRS every year. Most deductibles are constructed on a per-person basis. Family deductibles are called “aggregate deductibles” and most often allow one or all of the family members to incur medical claims and work together to satisfy the family’s deductible.

Tools & Resources

CDHPCoach’s Storage Facility, where the Coach has organized and compiled a vast amount of tools and resources for you to access.


Housed here are key components and information within the book, Bend the Healthcare Trend which was the impetus behind the CDHPCoach.