United States
High-Deductible Health Plan (HDHP)

What is High-Deductible Health Plan ?

A high-deductible health plan (HDHP) is a type of health insurance available in the United States that has higher deductibles and lower premiums than traditional health plan. 

How High-Deductible Health Plan Works ?

HDHP requires you to pay a higher deductible before the plan begins to cover medical expenses. HDHP will typically cover a percentage of medical expenses, such as 80% or 90%.

Who is Eligible for hdhp  ?

For 2023, the minimum deductible for an HDHP is $1,500 for individuals & $3,000 for families. The maximum out-of-pocket expenses are $7,500 for individuals & $15,000 for families.


What Does HDHP Cover ?

Healthcare services that an HDHP may cover includes, Preventive Care, Emergency Care , Hospitalization, Prescription Drugs, Maternity Care, Mental Health and Substance Abuse Treatment.

How Much Does a High-Deductible Health Plan Cost ?

The cost of a high-deductible health plan (HDHP) can vary depending on factors such as your location, age, overall health status and coverage level. 

High-Deductible Health Plan with HSA

Some HDHPs also offer the option of opening a health savings account (HSA), which is a tax-advantaged savings account that you can use to pay for out-of-pocket medical expenses.

How to Get a High-Deductible Health Plan ?

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You can get HDHP, through your employer, health insurance broker, directly from an insurance company or through the Health Insurance Marketplace.