The downsides of high-deductible health plans Yes, HDHPs keep their monthly payments low. However, they can also put you at risk of facing large medical bills that you may not be able to afford. Because HDHPs generally only cover preventive care, an accident or emergency could result in very high out-of-pocket costs. Discounts usually reach 30%, while specialized services can be 50% less than usual.
This discount translates into immediate savings for the employee, even if they must pay the full amount due until their deductible is reached.