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In the United States, a high-deductible health plan (HDHP) is a health insurance plan with lower premiums and higher deductibles than a traditional health plan. It is intended to incentivize consumer-driven healthcare. Being covered by an HDHP is also a requirement for having a health savings account. [1]
By 2007, an estimated 3.8 million U.S. workers, about 5% of the covered workforce, were enrolled in consumer-driven plans. About 10% of firms offered such plans to their workers, according to a study by the Kaiser Family Foundation. [6] In 2010, 13% of consumers in employee-sponsored health insurance programs had consumer-driven health plans. [7]
PPO. The Preferred Provider Organization plan is the most popular for those with employment-based insurance (currently 47% of them, in fact). PPOs allow the most flexibility in that people can ...
In U.S. health insurance, a preferred provider organization (PPO), sometimes referred to as a participating provider organization or preferred provider option, is a managed care organization of medical doctors, hospitals, and other health care providers who have agreed with an insurer or a third-party administrator to provide health care at ...
High-deductible health plan (HDHP) Plans with much higher deductibles than traditional health plans—primarily providing coverage for catastrophic illness —have been introduced. [ 123 ] Because of the high deductible, these provide little coverage for everyday expenses—and thus have potentially high out-of-pocket expenses—but do cover ...
Medicare Advantage PPO plans can charge a deductible amount for both the plan and the prescription drug portion of the plan. Sometimes, this amount is $0, but it depends entirely on the plan you ...
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