Page 1
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 (High-deductible Health Plan, n.d.). You are aslo required to have a health savings account when you are covered by a High deducible health plan.   Some of the high deductible plans offer additional wellness benefits which is provided before any deductible is paid.   The high deducible health plans are basically a catastrophic coverage which means they were intended to cover catastrophic illnesses.  
Page 2
A Research instuite has found that forty-four percent of employers were expected to offer high deductible health plans as the only benefit to try to reduce halth care spending.
There would be higher out of pocket costs and the average deductible is $2,907 per person.
It is not well known that there are some high deductible plans that have a little to no out of pocket expense for preventative screenings and office visits.  
This lack of knowledge is casueing consumers to advoid getting care.
In a survey, it was found that out of 12,000 households about twenty percent were delaying or postponing care because of costs.  
Page 3
In another survey, about twenty-five percent of people avoided needed care like tests, treatment, follow-up care, and prescriptions.  
Even the chronically ill are avoiding some types of care because of the costs.
People in poor health tend to need more services which can result in a financial burden, leading to noncompliance, which in turn sustains adverse health.  
Some studies suggest a negative impact to utilization in the long run due to avoidance of necessary care in the short run (Islam, 2015).
Studies show a decrease in emergency room visits because of the costs.  
Page 4
We pay our doctors, hospitals and other medical providers in ways that reward doing more, rather than being efficient (Appleby, 2012)
By insurers paying a fee for service, this could...