To do what you describe, put the products.html page in your public_html directory. Edit your wordpress theme's header.php file to add to the menu section a link to the products.html page. You may have to use an absolute path in the URL depending on how you have things setup.
If you want to retain the wordpress navigation on the products.html so you can browse back to the wordpress parts of your site, you'll need to replicate the header html within that page.
Based on this drawback and depending on your requirements I'd recommend considering using either pages or page templates as suggested in the other answers so that the products page is part of the wordpress layout and you can take advantage of a shared navigation / look and feel etc.