A fee-for-service insurance plan with a deductible that is larger than the deductible for more standard indemnity plans (in 2009 the federal standard is $1,150 per year or more for single coverage; $2,300 or more for families). Many such plans are accompanied by a savings option that allows people to set aside pretax dollars to be used to meet out-of-pocket health care expenses up to their deductible.