How Does a High Deductible Health Plan (HDHP) Work and Is It Right for Me?

How Does a High Deductible Health Plan (HDHP) Work and Is It Right for Me?

Are you considering an HDHP for your health insurance needs?

The prospect of finding the right health plan for yourself and your family can be confusing, and with so many options available, it can often feel overwhelming.

However, taking a look at how high deductible health plans (HDHPs) work could help you decide if this type of coverage is right for you.

In this video, we’ll review what exactly an HDHP is, how these plans typically compare to other types of coverage offerings, the potential benefits and downsides to signing up for one of these policies—and more!

00:00 Discussing High Deductible Health Plans
00:12 Trend of Increasing Enrollment in High Deductible Plans
00:32 Lower Monthly Premiums for Healthy Individuals
01:14 Who Should Consider High Deductible Plans
01:58 Who Should Avoid High Deductible Plans
02:26 Special Cases: Chronic Conditions and Expensive Medications
03:06 Coverage Limitations: What's Not Covered Until Deductible is Met
03:39 Hybrid Plans: Lower Premiums with Day-to-Day Coverage

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