High Deductible Health Plans (HDHP) are causing some individuals to avoid seeking medical treatment because they cannot afford the out-of-pocket expenses, some experts suggest. The implication of this position is employers should only offer higher premium, traditional PPO style plans. This view is inaccurate and misguided as high deductible plans are a response to the issue, not the cause.
By any statistic, healthcare expenses and the cost of healthcare to consumers has gone up dramatically, outpacing inflation and wage growth. For example,
