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High-deductible health 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.

Available plan types

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 healthcare professional, 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.

Key features

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.