what is a hdhp?

  • HDHPHDHP stands for high-deductible health plan. HDHPs have grown in popularity as more employers offer the plans. A HDHP is the only plan that can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.

    Until a member meets the deductible, a member will pay 100 percent of the out-of-pocket cost (except preventive care) for the services they receive. Once deductibles are met, all services are covered at the applicable cost share amount until the out-of-pocket maximum is met.

    Advantages of an HDHP

    • Lower premium. You’ll have lower paycheck deductions for health insurance.
    • Long-term savings potential. An HDHP paired with an HSA enables you to build a tax-free savings account to cover medical expenses or save for retirement.
    • SMUHSD will contribute to your HSA.  The District will help you meet your annual deductible by contributing money to your HSA.
      • SMUHSD will contribute:
        • Employee Only: $750
        • Employee + Child(ren): $1,500
        • Employee + Spouse/DP: $1,750
        • Employee + Family: $2,250
    • All the money in an HSA rolls over to the next year. This makes it easier to grow your account and pay for future medical expenses.


    HDHP Presentation
    Estimated Cost of Services