High Deductible Health plans have higher Deductibles and lower premiums than traditional insurance plans. In 2011 and 2012, an HSA qualifying HDHP must have a deductible of at least $1,200 for single coverage and $2,400 for family coverage. The plan must also limit the total amount of out-of-pocket cost sharing for covered benefits. For 2011 these amounts are $5,950 for single coverage and $11,900 for family coverage. For 2012 these amounts are $6,050 for single coverage and $12,100 for family coverage.