For most federal employees, a high-deductible health plan (HDHP) or consumer-driven health plan (CDHP) will be one of the least expensive plans to join next year. Both offer enrollees pre-funded savings accounts to pay for out-of-pocket healthcare expenses and free preventive care, and most of them have lower premiums than other FEHB plans.
However, HDHPs and CDHPs have high deductibles where enrollees pay the full cost of healthcare expenses before the deductible is met, and a co-insurance percentage for services after the deductible is met.
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