A type of health insurance plan that, compared to traditional health insurance plans, requires greater out-of-pocket spending, although premiums may be lower. In 2018, an HSA-qualifying HDHP must have a deductible of at least $1,350 for single coverage and $2,700 for family coverage. The plan must also limit the total amount of out-of-pocket cost-sharing for covered benefits each year to $6,650 for single coverage and $13,300 for family coverage.