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High Deductible Health Plan

What is a High-deductible Health Plan?

A high-deductible health plan (HDHP) is a type of insurance plan with a deductible higher than what’s typically found in traditional plans. Although the monthly premium for this type of plan is usually lower, you’re responsible for covering a larger portion of your healthcare costs before the insurance company begins contributing (this is also known as your deductible).

This plan can be paired with a health savings account (HSA), allowing you to use funds you’ve set aside in a tax-free HSA for specific medical expenses. This is why it’s often referred to as an HSA-eligible plan.


“Glossary.” HealthCare.gov, www.healthcare.gov/glossary/.

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