Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A high-deductible health plan (HDHP) eligible to pair with an HSA generally provides:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
An HDHP is a plan with a higher annual deductible than a typical health plan, and it generally pays nothing for covered services until that deductible is satisfied. The principal exception is that preventive care may be covered on a first-dollar basis without first meeting the deductible, consistent with ACA preventive-service rules. Because the plan exposes the insured to a larger deductible, it can be paired with an HSA to fund out-of-pocket costs. HDHP design is part of the CDHP material under AH-III.A.1b, and the preventive-care exception is a key feature candidates must recognize.
Why the other options are wrong
- B) First-dollar coverage for all services is the opposite of the HDHP design, which requires the deductible to be met.
- C) The HDHP's defining feature is a high deductible, not a condition that coverage begins only after an out-of-pocket maximum is reached.
- D) The plan's deductible is a shared plan feature; it does not reset separately for every family member.
Memory hook
HDHP: pay the deductible first, except preventive care.