Quick Guide to High Deductible Health Plans

What is a High-Deductible Health Plan (HDHP) & How Does it Work?

An HDHP has a higher deductible than a typical health plan. That simply means you pay out of pocket for your medical expenses until you reach a certain amount.

High Deductible Health Plan (HDHP) - Glossary | HealthCare.gov

A plan with a higher deductible than a traditional insurance plan. The monthly premium is usually lower, but you pay more health care costs yourself before ...

FastFacts High Deductible Health Plans - OPM

HDHPs have higher annual deductibles and out-of-pocket maximum limits than other types of. Federal Employees Health Benefits (FEHB) Program plans. With an HDHP, ...

Quick Guide to High Deductible Health Plans, HSAs, & FSAs

This Quick Guide explains the benefits and limitations of a high deductible health plan and how they work with a health savings account (HSA) or a flexible ...

What is a High-Deductible Health Plan and How Does It Work

Per IRS guidelines in 2025, an HDHP is a health insurance plan with a deductible of at least $1,650 if you have an individual plan or a deductible of at least ...

How High-Deductible Health Plans Work - Investopedia

An HDHP will usually have lower premiums than an equivalent health insurance plan with a lower deductible. For folks who don't anticipate many medical expenses ...

What are HSA-eligible plans? | HealthCare.gov

One way to manage your health care expenses is by enrolling in a High Deductible Health Plan (HDHP) in combination with opening a Health Savings Account ...

Understanding High Deductible Health Plans (HDHP) - Lively

To start, an HDHP is a health insurance plan defined by lower premiums and a higher deductible. But don't let "higher deductible" scare you off.

What's a high deductible health plan (HDHP)? - UnitedHealthcare

A high deductible health plan (HDHP) is a type of health insurance plan that offers lower premiums in exchange for higher out-of-pocket costs.

High Deductible Health Plans | Excellus BlueCross BlueShield

If you meet your out-of-pocket maximum, the insurance company pays for all covered medical services in full. Your out-of-pocket maximum is made up of the ...

How to Explain High-Deductible Plans - SHRM

A simple side-by-side comparison. Make it easy for workers to evaluate high-deductible health plans against other employer-provided plans so they can ...

High Deductible Health Plans (HDHPs) | Kaiser Permanente

Each year, the federal government sets a minimum amount for an HDHP annual deductible and a maximum amount for HDHP out-of-pocket costs. If the plan meets these ...

What is a High-Deductible Health Plan (HDHP)? | Cigna Healthcare

In general, your health plan starts paying for eligible medical expenses after you've met your deductible, meaning you've paid out of pocket up to the amount of ...

What Is a High-Deductible Health Plan (HDHP)? - MetLife

The maximum out-of-pocket expenses for an HDHP are $8,300 for an individual or $16,600 for a family. How does a high-deductible health plan work? Like many ...

A Simplified Guide to High and Low Deductibles

Choosing between a high deductible health plan (HDHP) and a low deductible health plan isn't easy. Both options have their perks.

What is a High Deductible Health Plan (HDHP)? | Anthem

Lower premiums – pay less monthly for your plan · Higher deductibles — pay more out of pocket for medical costs · Most Anthem HMO plans are open access, meaning ...

FAQs for High Deductible Health Plans, HSA, and HRA - OPM

A High Deductible Health Plan (HDHP) is a health plan product that combines a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA) with ...

Your Comprehensive Guide to High Deductible Health Plans - Lively

If the cost of traditional health insurance plans has you searching for a cheaper alternative you might want to consider a High Deductible Health Plan ...

High Deductible Health Plans: Your Complete Guide To HDHPs

A high-deductible health plan, also called a consumer-driven health plan, is health insurance with lower premiums but higher out-of-pocket costs when you need ...

What is a high-deductible health plan (HDHP)? - Healthinsurance.org

For 2025 coverage, the minimum HDHP deductibles are $1,650 for individual coverage and $3,300 for family coverage. The maximum allowable out-of-pocket limit is ...