High-Deductible Health Plan (HDHP)
A health plan with a high deductible — minimum $1,650 individual / $3,300 family in 2025 — that qualifies for HSA pairing.
An HDHP is a health plan meeting IRS thresholds: deductible ≥$1,650 individual / $3,300 family (2025); OOP max ≤$8,300 individual / $16,600 family (2025). HDHPs are required to pair with an HSA. Premiums are typically lower than traditional plans in exchange for the higher deductible. Preventive care must still be covered at $0 cost-sharing under ACA §2713.
Frequently asked questions
What is high-deductible health plan (hdhp)?
An HDHP is a health plan meeting IRS thresholds: deductible ≥$1,650 individual / $3,300 family (2025); OOP max ≤$8,300 individual / $16,600 family (2025). HDHPs are required to pair with an HSA. Premiums are typically lower than traditional plans in exchange for the higher deductible. Preventive care must still be covered at $0 cost-sharing under ACA §2713.
Related terms
- Health Savings Account (HSA)A pre-tax savings account tied to an HDHP. Funds carry over indefinitely and grow tax-free.
- DeductibleThe amount you pay out of pocket each year before your insurance starts paying. Resets every plan ye
- PremiumThe amount you pay each month to maintain insurance coverage — regardless of whether you use care.
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