High deductible health plans or HDHP are often referred to as HSA plans. However, an HSA is a bank account whereas the HDHP is a health plan. The high deductible health plans are designed to use in conjunction with an HSA bank account. High deductible health plans require the member to satisfy a deductible before any benefits are paid, except for wellness benefits. There are no copayments or co-insurance until the deductible is met. Most high deductible health plans are written as a PPO which allow members to use both in-network and out-of-network providers. High deductible health plans have favorable tax advantages as the deductibles and coinsurance are tax free to the member. Contributions to an HSA bank account by the employer are also tax free.