High-deductible plans

High-deductible health plans (HDHPs) offer small-business employees preventive coverage for an affordable premium.

For employees of small businesses who don’t want to pay a high premium but still want health coverage, HDHP plans offer budget-friendly options, covered preventive services and a single deductible for both medical and prescription services.

• Reasonable premiums – Employees enjoy low premiums, knowing they’re still covered.
• One deductible – HDHPs feature an integrated deductible for both medical and prescription drug costs.
• Annual exams are covered – Employees can have preventive services like annual exams covered at 100% with in-network doctors.
• Compatible with health savings accounts (HSAs) – Employees can pair their HDHP with an HSA—setting aside tax-free money for current-year healthcare expenses and building savings for the future.

HDHP: HMO

Health maintenance organization (HMO) plan members enjoy a large network and lower premiums.

HDHP: NPOS

National point of service (NPOS) plan members are free to go to any doctor, but can keep their costs low by staying within the network.

HDHP: PPO

Preferred provider organization (PPO) plan members have the flexibility to go to their choice of doctors—no referrals needed.