A QHDHP is a health insurance plan with a minimum deductible of $1,400 (for self-only coverage) or $2,800 (for family coverage)2. The annual out-of-pocket cost (including deductibles and copays) cannot exceed $7,050 (for self-only coverage) or $14,100 (for family coverage)2. HDHPs have first-dollar coverage or no deductible for preventive care and higher out-of-pocket costs (copays and coinsurance) for out-of-network services. Learn more.