Kate Ashford

HDHP stands for High Deductible Health Plan. These plans usually cost less, meaning the monthly premiums are lower. but the deductible is higher than a traditional plan. So you'd have to spend more money of your own before your insurance starts covering things. High deductible plans usually also come with health savings accounts or HSAs, which are a huge tax win.

HDHP stands for High Deductible Health Plan. These plans usually cost less, meaning the monthly premiums are lower. but the deductible is higher than a traditional plan. So you'd have to spend more money of your own before your insurance starts covering things. High deductible plans usually also come with health savings accounts or HSAs, which are a huge tax win.

I think you're getting into those later. High deductible health plans can be a good option for people who don't use much healthcare. Or weirdly for people who use a lot of healthcare because you can predict your costs and they can be lower over the course of a year with this kind of plan.

I think you're getting into those later. High deductible health plans can be a good option for people who don't use much healthcare. Or weirdly for people who use a lot of healthcare because you can predict your costs and they can be lower over the course of a year with this kind of plan.

I think you're getting into those later. High deductible health plans can be a good option for people who don't use much healthcare. Or weirdly for people who use a lot of healthcare because you can predict your costs and they can be lower over the course of a year with this kind of plan.

There's also the fact that employers sometimes give you a contribution towards your HSA if you have this kind of plan and that lowers costs as well. That said, like I mentioned, I've had these kinds of plans for the last several years and they are cheaper for me in my circumstances, but it can feel scary to write those big checks for medical care at the start of the year.

There's also the fact that employers sometimes give you a contribution towards your HSA if you have this kind of plan and that lowers costs as well. That said, like I mentioned, I've had these kinds of plans for the last several years and they are cheaper for me in my circumstances, but it can feel scary to write those big checks for medical care at the start of the year.

There's also the fact that employers sometimes give you a contribution towards your HSA if you have this kind of plan and that lowers costs as well. That said, like I mentioned, I've had these kinds of plans for the last several years and they are cheaper for me in my circumstances, but it can feel scary to write those big checks for medical care at the start of the year.

And that huge deductible, like you mentioned, can mean that some people skip getting the medical care they need.

And that huge deductible, like you mentioned, can mean that some people skip getting the medical care they need.

And that huge deductible, like you mentioned, can mean that some people skip getting the medical care they need.

Generally, people need to think about these questions, and it's a lot of questions. How much healthcare do you use? How often do you see the doctor? Do you have any major surgeries or procedures coming up? Are you planning to try for a baby? Do you have small children? All of these things can affect what kind of plan makes sense for you. How financially stable are you?

Generally, people need to think about these questions, and it's a lot of questions. How much healthcare do you use? How often do you see the doctor? Do you have any major surgeries or procedures coming up? Are you planning to try for a baby? Do you have small children? All of these things can affect what kind of plan makes sense for you. How financially stable are you?

Generally, people need to think about these questions, and it's a lot of questions. How much healthcare do you use? How often do you see the doctor? Do you have any major surgeries or procedures coming up? Are you planning to try for a baby? Do you have small children? All of these things can affect what kind of plan makes sense for you. How financially stable are you?

Are you living mostly paycheck to paycheck or do you have a financial cushion you could use to pay the upfront costs of a high deductible health plan? How much choice do you want? If you don't care who you see, you might be fine in an HMO with a limited network.

Are you living mostly paycheck to paycheck or do you have a financial cushion you could use to pay the upfront costs of a high deductible health plan? How much choice do you want? If you don't care who you see, you might be fine in an HMO with a limited network.

Are you living mostly paycheck to paycheck or do you have a financial cushion you could use to pay the upfront costs of a high deductible health plan? How much choice do you want? If you don't care who you see, you might be fine in an HMO with a limited network.

But if you want more freedom to see specialists or doctors who might be out of network, a PPO offers more flexibility, although your costs will be a little higher. And you also have to think about your specific doctors and medications. You want to make sure you choose a plan where hopefully your doctors are a network and your medications are covered at prices you can afford.

But if you want more freedom to see specialists or doctors who might be out of network, a PPO offers more flexibility, although your costs will be a little higher. And you also have to think about your specific doctors and medications. You want to make sure you choose a plan where hopefully your doctors are a network and your medications are covered at prices you can afford.

But if you want more freedom to see specialists or doctors who might be out of network, a PPO offers more flexibility, although your costs will be a little higher. And you also have to think about your specific doctors and medications. You want to make sure you choose a plan where hopefully your doctors are a network and your medications are covered at prices you can afford.