Skip to main content

An official website of the United States government

Here's how you know

Notice: During the government shutdown, if you have a 2025 health insurance plan, continue using your plan and providers. If you don’t have a plan, you can use this site to apply for and access coverage.

High Deductible Health Plan (HDHP)

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 the insurance company starts to pay its share (also called your deductible).
A high deductible plan can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA. This is why it’s more commonly called an HSA-eligible plan.

Related Content