What Does HDHP Stand For In Health Insurance? 
HDHP means high deductible health plan . The typical plan design does not have copay 's for doctor visits or prescription drugs . Policyholders that use par -LRB- network -RRB- providers pay the pre-negotiated rate for all covered services . The amounts paid for covered medical services accrue towards the deductible . HDHP policies are a simple , easy to understand concept . Unlike copay plans , there are no `` moving parts '' to the HDHP . Once the deductible is satisfied , all covered charges for the balance of the year are paid by the carrier -LRB- subject to coinsurance provisions -RRB- . Most plans offer 100 % coinsurance above the deductible but it is not unusual to see plans with 80 % , 70 % or 50 % coinsurance . The HDHP design is a requirement for those who want an HSA -LRB- health savings account -RRB- but not all HDHP 's are HSA compliant . Policyholders looking for good value and minimal risk exposure for catastrophic claims will choose the HDHP . 