For the plan to qualify as a HDHP (High Deductible Health Plan), the deductible on an individual policy has to be at least $1,000 and no more than $2,600.   For a family plan, the deductible has to be at least $2,000 but no more than $5,150. Remember the maximum HSA contribution can equal the deductible. 

The contribution amounts (deductibles) can rise to $2,650 and $5,250 respectively for 2005. 

The total yearly out-of-pocket expenses of the plan can't exceed $5,000 (individual coverage) or $10,000 (family coverage).

The insurance companies issuing the HDHP's can waive the deductibles for preventive care and charge higher out-of-pocket (copays & coinsurance) for non-network services.

Like any other healthcare  policy, the insurance coverage begins after the deductible is met. The higher the deductible on the policy the lower the monthly premiums usually are.

It's wise to look for a health plan that provides 100% coverage after the deductible is met.