To be considered a high-deductible health plan, a plan has to have at least a $1,600 deductible for individuals and $3,200 for families. And you won't spend more than $8,050 each year on health care costs if you're an individual, and no more than And you won't spend more than $8,050 each year on health care costs if you're an individual, and no more than $16,100 per year as a family.