What is a High Deductible Health Plan (HDHP)?

A High Deductible Health Plan is a type of health insurance plan. To be considered an HDHP, a plan must meet certain IRS guidelines for minimum deductibles and maximum out of pocket expenses.

To be eligible for a Health Savings Account, an individual must be covered by an HDHP. An HSA-qualified HDHP can have first dollar coverage (no deductible) for preventative care and higher out-of-pocket (co-pays and coinsurance) for non-network services.

Visit our HSA Guidelines page for more details about IRS limits on deductibles and out-of pocket maximums. These limits typically change each year.

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