Frequently Asked Questions

Is it true that consumer-driven healthcare plans are meant for young, relatively healthy people, and are not designed for older people with health issues?

It is true that individuals who are unlikely to use covered medical services during the year will probably save the most money with high deductible health plans. However, consumer-driven healthcare (CDH) can result in savings and greater flexibility for consumers of all kinds. Individuals likely to make moderate or heavy use of medical services should be sure to understand the benefits covered under their CDH plans and pay special attention to the co-insurance, maximum out-of-pocket, and any exclusions or carve-outs in the plan.

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