What Is A High Deductible For Health Insurance? 
A tough question to answer because it is so subjective , what 's high to one person may quite acceptable to another . As 30 year insurance industry professional I would say that by the standards of 2014 , you are entering `` high deductible '' territory when your plan 's annual deductible exceeds $ 2000 for an individual . When many consumers hear the term high deductible it is often being used as another way of saying this is a health insurance plan designed to work with a Health Savings Account -LRB- HSA -RRB- . The model for this product being that the lower premiums for a high deductible health insurance plan with no copayment features will free up money to fund an HSA and hopefullyaccumulate a health care nest egg for a person 's retirement years . In 2014 the minimum deductible for an HSA based plan is $ 1250 and the maximum deductible is $ 6350 . With the advent of the Affordable Care Act 's -LRB- ObamaCare -RRB- health insurance marketplaces in 2014 the consumer is now presented with a whole new array of health insurance plan designs that will certainly meet anyone 's definition of a high deductible plan but that may not be designed to be compatible with an HSA . Extra care and caution needs to be exercised by the consumer in the new world of health insurance and I would recommend seeking out the services of an experienced health insurance brokers in your marketplace to help you find the plan best suited to your needs and budget . 