insurance
HDHP (High-Deductible Health Plan)
高額免責プラン (kōgaku menseki puran)
A High-Deductible Health Plan (HDHP) has higher deductibles and lower premiums than traditional plans. The IRS sets minimum deductible thresholds annually that a plan must meet to qualify as an HDHP. The main benefit of an HDHP is eligibility to open a Health Savings Account (HSA), allowing pre-tax savings for medical expenses. HDHPs make sense for healthy individuals who rarely use healthcare and want to build HSA savings for future or retirement medical costs.
Pairing an HDHP with an HSA is a tax-advantaged strategy recommended by many financial advisors for eligible individuals.
In 9 languages
| Language | Term |
|---|---|
| English | HDHP (High-Deductible Health Plan) |
| Japanese (日本語) | 高額免責プラン |
| Chinese (中文) | 高免赔额健康计划 |
| Korean (한국어) | 고공제 건강보험 |
| Portuguese | Plano de Alta Franquia |
| Spanish | Plan de Alta Deducible |
| Filipino | High-Deductible Health Plan |
| Thai | แผนสุขภาพที่มีค่าลดหย่อนสูง |
| Vietnamese | Kế hoạch bảo hiểm khấu trừ cao |
| Romanization | kōgaku menseki puran |
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Browse US healthcare guides →Last reviewed: September 2026