What Does HDHP Stand For In Health Insurance? 
HDHP stands for High Deductible Health Plan . Generally , this term has been used in association with a type of health insurance policy purchased that was specifically designed to be used with a Health Savings Account -LRB- H.S.A -RRB- . In this context the health insurance plan design has an upfront deductible that must be paid by the policyholder before any co-insurance cost sharing and/or copayments can be applied to the policy 's coverage . The IRS determines the minimum deductible and out-of-pocket maximums for H.S.A eligible high deductible health plans each year . For this reason the deductible associated with HDHPs changes over time . In 2014 the minimum individual deductible for a HDHP is $ 1250 , in 2015 it will increase to $ 1300 . Re-designs of health insurance plan benefits prompted by the Affordable Care Act have introduced new health insurance plans that have substantially higher deductibles that previously were most often associated with an H.S.A based plans . As such , the consumer must closely examine the detailed benefits summary of the health insurance plans they are considering . This is because there are plan designs now that certainly have a high deductible but they also have other benefit features like office visit or prescription copayments that disqualify them from being used with an H.S.A. . In short , you will be best served to seek out the services of a health insurance broker who is knowledgeable in these matters . 