HDHP plans — Lowest premiums + HSA tax savings — best for healthy adults.
An HDHP has the lowest premium of any plan type paired with a high deductible. The trade-off: you pay more before insurance kicks in, but you qualify for a Health Savings Account (HSA) with triple tax advantages. Our agents compare total HDHP cost and help you calculate whether the HSA tax savings offset the higher deductible.
HDHP in plain English.
Low monthly premium, high deductible (typically $1,600–$8,050 for individuals). You pay out-of-pocket until the deductible is met, then insurance covers most costs. Qualifies for a Health Savings Account (HSA) — contributions are tax-deductible, grow tax-free, and withdrawals for medical expenses are tax-free.
Best for:
Trade-offs to know:
Carriers offering HDHP plans.
Cost range: $0–$280/mo after subsidies. Your agent compares total cost across all available carriers in your ZIP.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about HDHP plans.
Premium is low ($0–$280/mo after subsidies), but total cost includes the deductible ($1,600–$8,050). If you stay healthy, HDHPs save money. If you have a $5,000 medical event, you pay full price until the deductible is met. Your agent calculates which scenario saves more.
A Health Savings Account. Contributions are tax-deductible, growth is tax-free, and withdrawals for medical expenses are tax-free — triple tax advantage. Only available with HDHPs. Funds roll over year to year and are yours forever.
Often, yes. If you spend less than $1,000/year on healthcare, the premium savings + HSA tax benefits usually make an HDHP the cheapest total-cost option. Your agent runs the numbers.
Yes — and it's a popular choice. Premiums are deductible on Schedule 1, and HSA contributions are also deductible. Double tax advantage.
Yes — HDHPs are fully subsidy-eligible on the marketplace. About 4 out of 5 enrollees qualify.
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100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares HDHP total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702