This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 15, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
HDHP (High-Deductible Health Plan)
A plan with lower premiums but a higher deductible, often paired with an HSA.
Full Definition
An HDHP has a higher deductible than traditional plans but typically lower monthly premiums. The IRS sets minimum deductible thresholds each year (e.g., $1,650 for self-only coverage in 2025). HDHPs are the only plan type that allows you to open a Health Savings Account (HSA). They work well for generally healthy people who want to save on premiums and build tax-advantaged savings.
Real-World Example
Your HDHP has a $2,000 deductible and a $150/month premium, compared to an HMO with a $500 deductible and $280/month premium. If you rarely need care, you save on premiums and contribute the difference to your HSA.
Related Terms
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⚖️ Plan Comparison
Model HDHP costs across different healthcare usage levels.
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Top Providers
Companies that offer this plan type. Click any card to visit their official website.
UnitedHealthcare
uhc.com
Largest US health insurer. Offers HMO, PPO, EPO, and HDHP plans through employers and the ACA marketplace.
Blue Cross Blue Shield
bcbs.com
Nationwide network of independent BCBS companies covering all 50 states. Offers HMO, PPO, POS, and HDHP plans.
Aetna (CVS Health)
aetna.com
National insurer offering HMO, PPO, EPO, and HDHP plans through employers and the marketplace.
Cigna Healthcare
cigna.com
Global health services company offering HMO, PPO, EPO, and HDHP plans, with strong international coverage.
Humana
humana.com
Major insurer offering PPO, HMO, and HDHP plans through employers and the marketplace.
Elevance Health (Anthem)
elevancehealth.com
One of the largest BCBS licensees. Offers HMO, PPO, EPO, POS, and HDHP plans across many states.
Plan availability varies by state and employer. Always verify current offerings directly with the provider.
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