High-Deductible Health Plan (HDHP)
ACA-compliant plan that meets IRS deductible/OOP-max thresholds and qualifies for HSA contributions.
Full explanation
A High-Deductible Health Plan (HDHP) is a health plan that meets IRS requirements (2026: minimum deductible $1,650 single / $3,300 family; out-of-pocket maximum no higher than $8,300 single / $16,600 family) and qualifies you to contribute to a Health Savings Account. Most ACA Bronze plans are HDHPs; some Silver plans qualify too. HDHPs typically have lower monthly premiums than traditional plans, with the trade-off of higher upfront cost-sharing. Pairing an HDHP with HSA contributions is one of the most tax-efficient health insurance strategies for healthy, self-employed, or high-income enrollees.
📎 Primary source: official source
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