An HDHP is required to have:
A higher annual deductible than typical health plans
A maximum limit on the sum of the annual deductible and out-of-pocket medical expenses that you must pay for covered expenses.
• Out-of-pocket expenses include co-payments and other amounts, but do not include premiums.
An HDHP may provide preventive care benefits without a deductible or with a deductible below the minimum annual deductible.
For 2023, if you have family HDHP coverage, you can contribute up to $7,750 ($7,300 for 2022). The contribution limit for self-only HDHP coverage remains at $3,850 ($3,650 for 2022). Catch up of $1,000 for those age 55 and older.