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If your company offers you a high-deductible health plan (HDHP), also known as a Health Savings Account (HSA) eligible plan, as an option, it's a good idea to become familiar with how it works. The first question people often have is how it differs from a traditional health plan. ...
In conclusion, a High-Deductible Health Plan (HDHP) is a type of health insurance that offers lower monthly premiums in exchange for higher deductibles. While it may not be the right choice for everyone, it can be an effective way to save money on your insurance costs. If you decide to...
A high deductible health plan is not the same thing as acatastrophic health plan. "Catastrophic" is a term that was used in the past to describe any health plan with high out-of-pocket costs, but the ACA created a specific definition for it. ...
Is a high-deductible health plan right for you? While an HDHP can be a great option for some health care consumers, it’s not the best choice for everyone. A high-deductible health plan might be right for you if: You’re healthy and rarely seek medical care for illness or injury. Yo...
If you have high-deductible health plan coverage, you'll pay a smaller premium amount each month, but you must also pay thousands of dollars out-of-pocket.
HDHP deductible and out-of-pocket maximum HDHPs generally have lowerpremiums— the price you pay for insurance coverage — than other health insurance plans. But they come with higher annual deductibles. For 2025, theInternal Revenue Service(IRS) defines a high-deductible health plan as any plan...
How does a high-deductible health plan work? 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 the plan’s deductible. This applies to high-deductible health plans, as well as...
The term high-deductible health plan (HDHP) refers to a health insurance plan with a sizable deductible for medical expenses. An HDHP usually has a larger annual deductible (often four figures) than a typical health plan but charges lower monthly premiums. The minimum deductible varies from ye...
If so, you’ll need to have ahigh-deductible health plan (HDHP). While high deductible plans might not be for everyone, they're a good option for people who are generally healthy and want to save for future medical expenses. An HDHP works by providing coverage once the individual meets ...