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HDHP vs. PPO: Which Is the Right Choice for You?

To pick the best health coverage, understand the differences between these two plans.

By Kailey Hagen – Updated Sep 15, 2025 at 12:33PM | Fact-checked by Margo Winton Parodi

Key Points

  • HDHPs have higher deductibles but lower premiums than PPOs and allow HSA contributions.
  • PPOs offer lower deductibles and smaller provider networks than HDHPs.
  • Choosing between an HDHP and a PPO depends on your healthcare usage, financial situation, and network needs.
Key findings are powered by ChatGPT and based solely off the content from this article. Findings are reviewed by our editorial team. The author and editors take ultimate responsibility for the content.

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