Consumer Driven Health Plan (CDHP) with HSA

The CDHP with HSA:

  • Allows you to go in or out of network with this plan, but you’ll pay less when you use Anthem providers.  
  • Requires you to pay the full cost of most services, including prescription drugs, before you meet the deductible. After you meet the annual deductible, the plan pays a percentage of the cost of most services until you reach the out-of-pocket maximum.
  • Costs less out of your paycheck, but more out of pocket when you need care.
  • Aggregate Deductible: The family deductible is considered met when any one member or a combination of family members collectively reaches the total family deductible amount. Once met, the plan begins covering costs for all covered individuals. Learn more about aggregate deductibles by watching this video. 
  • Requires you to pay the full cost of most services, including most prescription drugs, before you meet the deductible. After you meet the annual deductible, the plan pays a percentage of the cost of most services until you reach the out-of-pocket maximum. Prescriptions for select preventive medications will bypass the deductible and the copay will apply before satisfying the deductible. Medications that are on the preventive list and bypass the deductible, will still have a cost and that cost will apply to the maximum out-of-pocket accumulator but will not apply to the deductible. For more information, please contact KY Rx Coalition at 855-218-KYRx or online at kyrx.org. View the 2026 Preventive Medication List.

This plan allows you to opt in to receive a Health Savings Account (HSA). The CDHP is a qualifying high-deductible health plan. Because of this, you are eligible to have a Health Savings Account and use it to pay for medical, prescription drug, dental and vision expenses tax-free, now and in the future. You are also eligible for a Limited Purpose FSA. A Limited Purpose FSA can be used for eligible dental and vision expenses and is designed to pair with an HSA. Note: If you enroll in the CDHP medical plan with HSA, once you enroll in any part of Medicare, you are no longer eligible to contribute to an HSA or receive the employer contribution. Please reach out to Benefits@Louisville.edu if you are not eligible for the HSA.

Note: this plan is not available to J1 Visa employees. For more information, contact the Office of International Affairs.