High-Deductible Health Plan (HDHP)
A health plan with a higher deductible and lower premiums that qualifies you to contribute to an HSA.
What does high-deductible health plan mean?
For 2026 a plan must have a deductible of at least $1,700 for self-only or $3,400 for family coverage, with out-of-pocket maximums no higher than $8,500 and $17,000, to count as an HDHP. Only people covered by a qualifying HDHP — with no other disqualifying coverage — can contribute to a Health Savings Account.
Put it to use
Health Savings Account (HSA) Contribution Calculator This Health Savings Account (HSA) calculator determines the amount you are allowed to deposit into an HSA account for the current tax year. Health Savings Account (HSA) vs. Traditional Health Plan Compare an High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) to a traditional health plan.
High-Deductible Health Plan — frequently asked
What counts as a high-deductible health plan?
An HDHP is a plan whose deductible and out-of-pocket maximums meet IRS thresholds set each year. Meeting the definition is what makes you eligible to open and fund a tax-advantaged Health Savings Account.
Is a high-deductible health plan worth it?
An HDHP can pay off if you are generally healthy, can cover the higher deductible, and use the paired HSA to bank tax-free money. If you expect heavy medical use, a lower-deductible plan may cost less overall.