What do high-deductible health plans typically encourage?

High-deductible health plans are designed to encourage more consumer involvement in healthcare decision-making by offering lower premiums alongside higher deductibles. This structure prompts individuals to be more vigilant about their healthcare spending, as they are responsible for a larger portion of their initial medical expenses before insurance coverage kicks in.

The model essentially shifts some of the financial responsibility to consumers, motivating them to engage in price shopping and consider the value of services before receiving care. Such plans can appeal to healthier individuals who anticipate fewer medical expenses, allowing them to save on premiums while still being covered for more significant health issues that may arise.

This focus on consumer involvement fosters a sense of accountability in managing healthcare costs, which can lead to more informed choices about when and where to seek care.