Asked by: Lilliana Abbott MD  |  Last update: September 4, 2022
Score: 4.5/5 (27 votes)

The short answer is yes. An HDHP can be a PPO. The long answer is that a HDHP can be any type of health plan, depending on its rules and network of providers. This can seem confusing, because many articles compare HDHPs and PPOs directly, using terms like “HDHP vs.

Is HDHP and PPO the same?

With an HDHP, you will pay less money each month for premiums, but you will pay more out-of-pocket for medical expenses before your insurance begins to pay for care. A preferred provider organization (PPO) is a plan type with lower deductibles but higher monthly premiums.

Is HDHP or PPO better?

HDHPs are typically better suited for people who make infrequent trips to the doctor, while PPOs are ideal for those who make regular visits to the doctor.

What is the difference between PPO HMO and HDHP?

PPOs are the most common type of health plan in the employer-sponsored health insurance market, while HMOs lead the way in the individual insurance market. HDHPs make up about one-third of employer-sponsored plans and are seen as a lower-cost health insurance option for employers over the past decade.

Is PPO the same as HSA?

A Health Savings Account (HSA) is a tax-advantaged account that allows you to save for qualified medical expenses — it's not a health insurance plan. On the other hand, a preferred provider organization (PPO) is a type of health insurance plan that provides access to health care in a certain way.

How does a High-deductible Health Plan (HDHP) work?- Kaiser Permanente

24 related questions found

What is a PPO insurance?

A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan's network.

How do I know if I have a HDHP?

How Do I Know If I Have a High-Deductible Health Plan? If you have access to a health savings account (HSA), then you have a high-deductible health plan. This type of insurance has a lower premium and a higher deductible than a traditional health plan.

What is considered a HDHP?

A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes. For 2022, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family.

What type of plan is HDHP?

A High Deductible Health Plan (HDHP) is a health plan product that combines a Health Savings Account (HSA) or a Health Reimbursement Arrangement (HRA), traditional medical coverage and a tax-advantaged way to help save for future medical expenses while providing flexibility and discretion over how you use your health ...

Is HDHP the same as HMO?

An HDHP is defined by its higher deductible, and it can be any type of health plan. That's right—an HDHP can be an HMO, PPO, or another type of health plan.

What is the difference between PPO and Cdhp?

The primary difference between a CDHP vs a PPO is that one is a form of health insurance that is largely self-directed, while the other is a form of healthcare that requires you to pay less out of pocket, but more into monthly premium payments.

Can you switch from HDHP to PPO?

What if I decide to switch from a HDHP to a traditional PPO plan? If you are no longer on a qualified HDHP, you can still use your funds to pay for medical expenses, but you cannot contribute to the account. Keep in mind that an HSA can also pay for things like Medicare premiums in the future.

Is Aetna a HDHP?

Aetna High Deductible Health Plan with a Health Savings Account. The Aetna High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) offers you more control over how you spend your health care dollars. You can access your HDHP by logging into Aetna Navigator at

Is PPO or HDHP better for family?

If you, or your dependents, utilize a lot of specialists or require regular hospitalization, a PPO may be better for you. HDHPs will typically have lower monthly premiums, but higher out-of-pocket costs, in general. So, if you're younger, healthy, and have money to deposit into an HSA, an HDHP may be right for you.

Is a PPO worth it?

A PPO gives you increased flexibility and allows you to bypass seeing a primary care physician, every time you need specialty care. So, if you are a heavy healthcare user or have a large family, the flexibility of a PPO plan may be worth it.

Is Cigna a HDHP?

What is the Cigna HDHP with HSA? It combines traditional medical coverage with a tax-free1 savings account and consists of these key components: 1. 100% coverage for preventive care when provided by an in-network physician.

Do doctors prefer HMO or PPO?

PPOs Usually Win on Choice and Flexibility

If flexibility and choice are important to you, a PPO plan could be the better choice. Unlike most HMO health plans, you won't likely need to select a primary care physician, and you won't usually need a referral from that physician to see a specialist.

What is a non qualified HDHP?

A non-qualified high deductible health plan (NQHDHP) is a health insurance plan with lower premiums and higher deductibles than many traditional health plans. A NQHDHP is different than a QHDHP in that it does not require all covered medical expenses to apply toward an annual deductible.

What is the difference between CDHP and HDHP?

An HDHP without a healthcare account covers users only when they have incurred significant costs beyond the deductible. A CDHP is the combination of an HDHP and a healthcare account.

Why are PPOs the most popular type of insurance?

PPOs are one of the most popular types of health insurance plans because of their flexibility. With a PPO, you can visit any healthcare provider you'd like, including specialists, without having to get a referral from a primary care physician (PCP) first.

What are the pros and cons of PPO?

PPO Pros & Cons
  • Do not have to select a Primary Care Physician.
  • Can choose any doctor you choose but offers discounts to those within their preferred network.
  • No referral required to see a specialist.
  • More flexibility than other plan options.
  • Greater control over your choices as long as you don't mind paying for them.

Why would a person choose a PPO over an HMO?

A PPO plan can be a better choice compared with an HMO if you need flexibility in which health care providers you see. More flexibility to use providers both in-network and out-of-network. You can usually visit specialists without a referral, including out-of-network specialists.

What does EPO and PPO mean?

Exclusive Provider Organizations (EPOs), and Preferred Provider Organizations (PPOs) share many similarities, but also have distinct, separate characteristics. If your healthcare coverage provider offers both options, deciding which plan works best for you is vital and will depend on your family's unique situation.

Can you have an HSA if you don't have a high deductible plan?

Key Takeaways. HSAs let you set aside pre-tax income to cover healthcare costs that your insurance doesn't pay. You can only open and contribute to an HSA if you have a qualifying high-deductible health plan.

Is Cdhp a high-deductible plan?

A CDHP is a high-deductible plan where a portion of the health care services are paid for with pre-tax dollars. High-deductible plans have higher annual deductibles and out-of-pocket maximums than traditional health plans. The tradeoff: The insured pays lower premiums each month.