High Deductible Health Plans (HDHP)

Name: High Deductible Health Plans (HDHP)
Uploaded: 2026-09-16
Duration: 4 min
Description: An HDHP pairs a lower monthly premium with a higher deductible — and it's the only plan type that lets you open an HSA. This lesson explains the trade-off, who an HDHP fits, and how pairing it with an HSA softens the upfront cost.

FreeChapter 34:004 key terms

An HDHP pairs a lower monthly premium with a higher deductible — and it's the only plan type that lets you open an HSA. This lesson explains the trade-off, who an HDHP fits, and how pairing it with an HSA softens the upfront cost.

What you'll learn

How an HDHP trades a lower premium for a higher deductible
Why only an HDHP lets you contribute to an HSA
Who an HDHP fits — and who it doesn't

Key takeaway: An HDHP means lower premiums but more upfront cost — and the chance to save pre-tax in an HSA.

Networks & plan types

8 lessons

In-network vs out-of-network, how HMO, PPO, EPO, and HDHP plans decide what you'll pay, and how HSAs and FSAs help you save.

1In-network vs out-of-network3:37
2HMO plans: understanding your coverage3:56
3High Deductible Health Plans (HDHP)▶ Now playing4:00
4PPO plans: flexibility at a higher cost3:45
5EPO plans: network-only, no referrals3:30
6FSA & HSA: an overview4:10
7HMO vs PPO: which fits you4:20
8HSA vs FSA: a detailed comparison4:15

Next lesson

PPO plans: flexibility at a higher cost

Next: PPO plans: flexibility at a higher cost →