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SPD > Benefits > Health Plans and Summaries > Consumer Driven Health Plans Consumer Driven Health Plans

A Consumer Driven Health Plan (CDHP) is an excellent option and a very effective tool for monitoring health care costs. A CDHP is a health insurance plan that pays for covered services after you the deductible is met. Most employees save money with a CDHP, but only you can determine what health plan best meets your need.

Don’t forget to take advantage of 100% first dollar preventive care services. It is important to visit a primary care physician for an annual physical which includes screenings for high cholesterol and diabetes, the two most prevalent conditions among our plan members. Preventive services are a smart way to invest in your wellbeing.

The state of Indiana offers two CDHPs – CDHP 1 and CDHP 2.  Both plans cover the same services, the two can be compared by closely examining the premiums, deductibles, and out –of-pocket maximums. 

The premium rates for CDHPs are considerably less expensive than those of a Traditional PPO plan. For CDHP 1, the premiums are the least expensive of all three health plans offered by the state. They start as low as $7.74 biweekly for single coverage and $24.78 for family coverage. For CDHP2, the premiums are the second least expensive of the three health plans offered by the state. They start as low as $46.68 biweekly for single coverage and top out at $134.52 for family coverage.*

* Rates reflect participation in the non-tobacco use incentive.

CDHP 1

CDHP 2

Plan Coverage Bi-Weekly Employee Rate Bi-Weekly Employer Rate Bi-Weekly Total Rate Annual Employee Rate Annual Employer Rate
CDHP 1 Single
Family		 $42.74
$59.78		 $167.82
$502.98		 $210.56
$562.76		 $1,111.24
$1,554.28		 $4,363.32
$13,077.48
CDHP 1 w/ Non-Tobacco Use Single
Family		 $7.74
$24.78		 $167.82
$502.98		 $175.56
$527.76		 $201.24
$644.28		 $4,363.322
$13,077.48
CDHP 2 Single
Family		 $81.68
$169.52		 $185.10
$537.66		 $266.78
$707.18		 $2,123.68
$4,407.52		 $4,812.60
$13,979.16
CDHP 2 w/ Non-Tobacco Use Single
Family		 $46.68
$134.52		 $185.10
$537.66		 $231.78
$672.18		 $1,213.68
$3,497.52		 $4,812.60
$13,979.16

Health Savings Accounts (HSA)

State contributions to HSA benefits your CDHP
An attractive partner to the CDHP, a health savings account (HSA) can be opened to put money aside to invest in your future out-of-pocket expenses. If you are eligible for an HSA the state will make the following contributions:

HSA Account Coverage Initial Contribution* Bi-Weekly Contribution Monthly Contribution Maximum Annual ER Contribution
HSA 1 w/CDHP 1 Single
Family		 $561.60
$1,124.76		 $21.60
$43.26		 $46.80
$93.73		 $1,123.20
$2,249.52
HSA 2 w/CDHP 2 Single
Family		 $336.96
$673.92		 $12.96
$25.92		 $28.08
$56.16		 $673.92
$1,347.84

There are federal guidelines for HSAs, including contribution limits. For 2013, the maximum that can be contributed to an HSA is $3,250 for single coverage and $6,450 for family coverage. This includes contributions made by the employee and the state. For account holders 55 years of age and older, an additional $1,000 can be contributed.