ההשתתפות העצמית גבוהה.

Because both words are definite.

In Hebrew, when a noun is followed by an adjective, and the whole phrase is definite, both the noun and the adjective usually take ה-:

• השתתפות עצמית = a deductible / self-participation
• ההשתתפות העצמית = the deductible / the self-participation

So:

• ההשתתפות = the participation
• העצמית = the self / personal / own (as an adjective here: self-)

This is a very common pattern in Hebrew:

• הבית הגדול = the big house
• המכונית החדשה = the new car

Both words get ה- because both are part of a definite noun phrase.

Because it agrees with ההשתתפות העצמית, which is grammatically feminine singular.

In Hebrew, adjectives must agree with the noun they describe in:

• gender
• number
• definiteness when they are attributive adjectives

Here, גבוהה is the predicate adjective, and it matches the subject:

• השתתפות is a feminine singular noun
• so the adjective is גבוהה and not גבוה

Compare:

• המחיר גבוה = The price is high
  (מחיר is masculine)
• העלות גבוהה = The cost is high
  (עלות is feminine)

So גבוהה is used because the subject phrase is feminine singular.

It is not expressed in the present tense.

Hebrew often makes sentences like this without a verb in the present:

• ההשתתפות העצמית גבוהה. = The deductible is high.

This is completely normal. Hebrew often uses a noun/adjective sentence in the present tense.

But in past or future tense, a form of to be does appear:

• ההשתתפות העצמית הייתה גבוהה. = The deductible was high.
• ההשתתפות העצמית תהיה גבוהה. = The deductible will be high.

So in the present tense, Hebrew usually just leaves is out.

Literally, השתתפות means participation.

It comes from the verb:

• להשתתף = to participate / to take part

The noun:

• השתתפות = participation

But in insurance and financial contexts, השתתפות עצמית is a fixed expression meaning:

• deductible
• sometimes co-pay or out-of-pocket participation, depending on context

So the literal sense is something like self-participation, but the natural English equivalent is usually deductible.

עצמית is the feminine singular form of an adjective meaning something like:

• self-
• personal
• own

It comes from עצמי / עצמית.

In this phrase, השתתפות עצמית, it helps create the fixed meaning deductible or self-participation.

Because השתתפות is feminine, the adjective also appears in the feminine form:

• masculine: עצמי
• feminine: עצמית

So this is not usually translated word-for-word in English, but it is useful to know that the literal structure is something like self participation.

A common pronunciation is:

ha-hishtatfút ha-atzmít gvohá

A few pronunciation notes:

• ההשתתפות = ha-hishtatfút
• העצמית = ha-atzmít
• גבוהה = gvohá

The stress is usually on the last syllable in these words:

• hishtatFUT
• atzMIT
• gvoHA

If you are learning Modern Hebrew pronunciation, this is a good natural rhythm: ha-hishtatfút ha-atzmít gvohá

Because that is the normal word order in Hebrew for adjectives that directly describe a noun.

So:

• השתתפות עצמית = literally participation self/personal
• בית גדול = big house literally house big
• מכונית חדשה = new car literally car new

Hebrew usually places descriptive adjectives after the noun.

Then the whole subject phrase is followed by the predicate adjective:

• ההשתתפות העצמית = subject
• גבוהה = high

So the sentence structure is basically:

[The deductible] [high]

which in English becomes:

The deductible is high.

It is both.

Grammatically, עצמית is an adjective modifying השתתפות. But in real usage, השתתפות עצמית is also a fixed expression, especially in insurance.

So you can understand it on two levels:

1. Grammar:
   noun + adjective
   השתתפות עצמית

2. Vocabulary item:
   a set phrase meaning deductible

This is common in Hebrew. Sometimes a phrase is grammatically transparent, but learners still need to memorize it as a unit because its real-world meaning is more specialized.

Yes, but it is usually less natural here.

Hebrew can sometimes use היא in sentences like this for emphasis or style:

• ההשתתפות העצמית היא גבוהה

But the simpler and more natural version in everyday Hebrew is:

• ההשתתפות העצמית גבוהה

In present-tense equational or descriptive sentences, Hebrew often leaves out both is and any pronoun like it.

So while היא is not impossible, most learners should treat the shorter version as the normal one.

Because גבוהה here is not an adjective inside the noun phrase. It is the predicate of the sentence.

Compare these two structures:

1. Attributive adjective: inside a noun phrase

   • ההשתתפות העצמית הגבוהה = the high deductible
     Here הגבוהה is part of the noun phrase, so it is definite.

2. Predicate adjective: says something about the subject

   • ההשתתפות העצמית גבוהה = the deductible is high
     Here גבוהה is not part of the noun phrase; it is the predicate, so it does not take ה-.

This is an important distinction in Hebrew.

Usually, השתתפות עצמית strongly suggests insurance, payment, or cost-sharing contexts.

Most often, people use it for:

• car insurance
• health insurance
• other policies where you pay part of the cost yourself

So ההשתתפות העצמית גבוהה would usually mean:

• The deductible is high
• or The co-pay / self-payment portion is high, depending on context

Outside those contexts, the literal meaning self-participation is possible, but that is much less likely in everyday usage.