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Indiana State Personnel Department

SPD > Benefits > Health Plans for 2014 > 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 percent 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 $11.94 biweekly for single coverage and $38.16 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 $54.72 biweekly for single coverage and top out at $158.04 for family coverage.*

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

CDHP summaries and plan information

CDHP 1

CDHP 2

View Anthem Benefits Comparison

CDHP plan rates for 2014

Plan Coverage Bi-Weekly Employee Rate Bi-Weekly Employer Rate Bi-Weekly Total Rate Annual Employee Rate Annual Employer Rate
CDHP 1 Single
Family
$46.94
$73.16
$173.28
$518.58
$220.22
$591.74
$1,220.44
$1,902.16
$4,505.28
$13,483.08
CDHP 1 w/ Non-Tobacco Use Single
Family
$11.94
$38.16
$173.28
$518.58
$185.22
$556.74
$310.44
$992.16
$4,505.28
$13,483.08
CDHP 2 Single
Family
$89.72
$193.04
$190.56
$553.26
$280.28
$746.30
$2,332.72
$5,019.04
$4,954.56
$14,384.76
CDHP 2 w/ Non-Tobacco Use Single
Family
$54.72
$158.04
$190.56
$553.26
$245.28
$711.30
$1,422.72
$4,109.04
$4,954.56
$14,384.76

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

Updated for calendar year 2014: There are federal guidelines for HSAs, including contribution limits. For 2014, the maximum that can be contributed to an HSA is $3,300 for single coverage and $6,550 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.

2014 Health Savings Account maximum contributions chart

CDHP 1/Single CDHP 1/Family CDHP 2/Single CDHP 2/Family
Health Savings maximum $3,300.00 $6,550.00 $3,300.00 $6,550.00
State Contribution $1,123.20 $2,249.52 $673.92 $1,347.84
Allowable employee contribution $2,176.80 $4,300.48 $2,626.08 $5,202.16

Visit the Health Savings Accounts page for more information