what does a high deductible health plan cover 
medical expenses covered under an hdhp include preventive care such as blood pressure screening depression screening diet and nutritional counseling hiv screening and immunizations for diseases like chickenpox the flu and measles insured individuals are not responsible for copays or coinsurance associated with any of these procedures non qualified medical expenses aren t covered such as acupuncture dental and vision care keep in mind you re allowed to establish and use an hsa in conjunction with an hdhp which can be used to pay for qualified medical and dental expenses to help you reach your deductible the list of qualified expenses was expanded as part of the cares act enacted by congress in response to the covid 19 pandemic using hsa funds to pay for non qualified medical expenses will incur income taxes and possibly a 20 penalty depending on your age 10who offers high deductible health plans you can get coverage under an hdhp through your employer these plans are also available through government health care exchanges the bottom lineit s important to choose the right health care plan one that fits your medical and financial needs some plans make you pay more out of pocket including copays and coinsurance but start kicking in after you reach a low deductible but others come with higher deductibles which are offset by lower monthly premiums these high deductible health plans are suited for those who are healthy can afford to pay more out of pocket and only need preventive care although the low upfront cost of these plans may be attractive it s important to weigh out any other factors like your medical history and the overall affordability before you sign up 