What is a qualified high-deductible health plan (QHDHP)?

Qualified high-deductible health plan (QHDHP): A health insurance plan with lower premiums and higher deductibles than some traditional health plans. A QHDHP is designed with an annual deductible in which all covered medical expenses (except preventive care) apply toward that deductible, up to the annually-indexed, IRS approved limits. Participating in a QHDHP is a requirement for establishing a health savings account (HSA).

Coaches' Takeaway

A QHDHP is defined by the Internal Revenue Service (IRS) every year. In 2017, it is designed with an individual deductible of no less than $1,300 for an individual and $2,600 for a family of 2 or more, with a maximum out-of-pocket not to exceed $7,150 for an individual and $14,300 for family coverage. All eligible healthcare services are subject to the annual deductible with the exception of qualified preventive care. Participating in a QHDHP is a requirement for the establishment and funding of a health savings account (HSA).

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.