What is a high-deductible health plan (HDHP)?

A high-deductible health plan (HDHP) is a health insurance plan with lower monthly payments and higher deductibles than traditional health plans.

For 2025, an HDHP's deductible starts at $1,650 for an individual plan and $3,300 for a family plan. Out-of-pocket costs such as co-pays, deductibles, and coinsurance (but not monthly premiums) can't exceed $8,300 for an individual plan, or $16,600 for a family plan.

A consumer directed health plan (CDHP) is an HDHP with a tax-advantaged healthcare account such as a health savings account (HSA) or a flexible spending arrangement (FSA). You must have an HDHP to contribute to an HSA.