Health Insurance Basics
What is a High Deductible Health Plan (HDHP)?
A High Deductible Health Plan (HDHP) is a health plan with a higher deductible than traditional plans. In 2026, an HDHP has a minimum deductible of $1,650 for individuals and $3,300 for families. HDHPs are eligible for Health Savings Accounts (HSAs). HDHPs typically have lower premiums than traditional plans.
Key Points
- HDHP: higher deductible than traditional plans
- 2026 minimum deductible: $1,650 individual, $3,300 family
- Eligible for Health Savings Account (HSA)
- Lower premiums than traditional plans
- Best for: healthy people who want to save on premiums and contribute to an HSA