HD-HP. No, it’s not something that lives in your computer. It stands for High Deductable Health Plan, and if you’ve never heard of it before, it’s high time you learned about it.

HD-HP’s are good for nearly everyone. Yearly physicals and savings accounts are included in nearly all the plans.

And if something goes horribly wrong, the catastrophic guarantees are among the best for those with self-only coverage.

It’s at least worth considering if you’re looking for lower premiums.