Skip to main content

An official website of the United States government

Here's how you know

Notice: During the government shutdown, continue using your 2025 health insurance plan and providers. Use this site to apply for and enroll in 2026 coverage during Marketplace Open Enrollment.

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