US Medical Term · insurance
High-Deductible Health Plan
Plan de Salud con Deducible Alto
In 9 languages
| Language | Term |
|---|---|
| English | High-Deductible Health Plan |
| Spanish (Español) | Plan de Salud con Deducible Alto |
| Chinese (中文) | 高免赔额健康计划 |
| Korean (한국어) | 고공제 건강보험 플랜 |
| Vietnamese (Tiếng Việt) | Kế hoạch bảo hiểm y tế có mức khấu trừ cao |
| Filipino (Tagalog) | High-Deductible Health Plan |
| Portuguese (Português) | Plano de saúde com alta franquia |
| Thai (ภาษาไทย) | แผนสุขภาพที่มีค่าหักลดหย่อนสูง |
| Japanese (日本語) | 高免責医療保険プラン |
What it means
A High-Deductible Health Plan (HDHP) is a health insurance plan whose deductible meets IRS minimum thresholds—at least $1,650 for self-only coverage in 2025. Monthly premiums are typically lower than traditional plans, but you pay more out-of-pocket before insurance starts covering most services. The key advantage of an HDHP is eligibility to open and fund a Health Savings Account (HSA). Preventive care is usually covered at no cost before you meet your deductible. HDHPs appeal to healthy individuals who rarely need care or who want to build a tax-free medical savings reserve. Compare your expected annual costs carefully before choosing an HDHP over a lower-deductible plan.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
HDHP—high-deductible health plan
plan de salud con deducible alto
HSA-eligible health plan
plan de salud elegible para HSA
high-deductible insurance plan
plan de seguro de deducible alto
Where you'll see it
Related terms
Sources
Last reviewed: September 2026