This fall, Americans will enter the largest health insurance open enrollment in history, with many enrolling in plans through private and public insurance exchanges. Many individuals may gravitate toward high-deductible health plans due to the initial low cost of premiums. However, a lack of understanding of, and experience with, these plans could lead many participants to make poor health decisions.

A medical director for NBC Universal saw firsthand how employees chose to lessen or drop prescription medications and avoided necessary medical appointments because of high out-of-pocket expenses when the company only offered a HDHP. Dr. Matthew Liss, East Coast medical director of NBC Universal health services, worries that individuals electing HDHP plans through the exchange will make similar poor decisions without sufficient education.

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