US Medical Term · insurance
HDHP (High-Deductible Health Plan)
Plan de Alta Deducible
In 9 languages
| Language | Term |
|---|---|
| English | HDHP (High-Deductible Health Plan) |
| Spanish (Español) | Plan de Alta Deducible |
| Chinese (中文) | 高免赔额健康计划 |
| Korean (한국어) | 고공제 건강보험 |
| Vietnamese (Tiếng Việt) | Kế hoạch bảo hiểm khấu trừ cao |
| Filipino (Tagalog) | High-Deductible Health Plan |
| Portuguese (Português) | Plano de Alta Franquia |
| Thai (ภาษาไทย) | แผนสุขภาพที่มีค่าลดหย่อนสูง |
| Japanese (日本語) | 高額免責プラン |
What it means
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.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
I enrolled in an HDHP so I can open an HSA and save money pre-tax.
Me inscribí en un HDHP para poder abrir una HSA y ahorrar dinero libre de impuestos.
My HDHP has a $1,500 deductible — does that meet the IRS minimum to qualify for an HSA?
Mi HDHP tiene un deducible de $1,500 — ¿eso cumple el mínimo del IRS para calificar para una HSA?
An HDHP makes sense for me because I rarely need medical care during the year.
Un HDHP tiene sentido para mí porque rara vez necesito atención médica durante el año.
Where you'll see it
Related terms
Related guide
→ US Guide: health savings accounts fsa hsaSources
Last reviewed: September 2026