A High Deductible Health Plan (HDHP) is a health insurance plan with a higher deductible that traditional plans. The tradeoff is that it typically offers lower monthly premiums. These plans are designed to be paired with Health Savings Accounts and offer tax advantages for money spent towards healthcare expenses.
While preventive care is covered before your deductible is met, you are required to pay the entire maximum-out-of-pocket amount before the plan covers any other services.
In 2025, HDHPs that allow you to contribute to a HSA must have an annual deductible for at least $1,650 for self-coverage ($3,300 for family coverage) and an maximum annual out-of-pocket no higher than $8,300 for self-coverage ($16,600 for family coverage).
