Who Qualifies for a HDHP?

What Qualifies as a High-Deductible Health Plan? 

Generally speaking, an HDHP is a healthcare plan that trades relatively low premiums for relatively high deductibles, as its name implies. But to officially qualify as an HDHP, your medical insurance has to meet certain criteria. The IRSestablishes guidelines each year, adjusting the figures for inflation. These are the limits for 2019.

Note that the out-of-pocket maximum includes deductibles, co-payments, and co-insurance—but not insurance premiums.