What Is an HDHP?
A high-deductible health plan (HDHP) is a US health insurance plan with a higher deductible and typically lower premiums than traditional plans. An HDHP that meets IRS minimum deductible and maximum out-of-pocket requirements makes the enrollee eligible to contribute to a health savings account (HSA).
How It Works
The insured person pays most medical costs until the deductible is met, apart from certain preventive care. The IRS updates the qualifying deductible and out-of-pocket figures each year.
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Last updated: September 27, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.