A High Deductible Health Plan (HDHP) is an insurance policy that meets certain dollar limits as shown in the table below.  An HDHP generally has lower premiums than other types of health plans, but also has higher deductibles. Until your deductible is met, you must pay for all of your medical expenses---except for preventive care, which is almost always covered.  Assuming your HDHP is HSA-Compatible, you can use your HSA assets to pay for these expenses.

2014 and 2015 HDHP Limits
Year
Single Coverage HDHP
Family Coverage HDHP
  Minimum
Deductible
Maximum
Out-of-Pocket
Minimum
Deductible
Maximum
Out-of-Pocket
2014 $1,250 $6,350 $2,500 $12,700
2015 $1,300 $6,450 $2,600 $12,900

 

2014 and 2015 HSA Contribution Limits
Year
Single Coverage Contribution Annual Limit
Family Coverage Contribution Annual Limit
 

Self-Only

Coverage

If Age 55 or Older Family Coverage If Age 55 or Older
2014 $3,300 $4,300 $6,550 $7,550
2015 $3,350 $4,350 $6,650

$7,650