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High Deductible Health Plans (HDHP)

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.

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