HDHPs Explained: Are They Right for Your Business or School District?

Choosing the right health plan isn’t just about saving money — it’s about offering care that makes sense for your team. One option many businesses and school districts are exploring is the High Deductible Health Plan (HDHP).

What’s an HDHP?

An HDHP offers lower monthly premiums but comes with higher deductibles. Employees save upfront but pay more before coverage kicks in. These plans are often paired with Health Savings Accounts (HSAs) — tax-free accounts used for eligible medical expenses, often with employer contributions.

Why Offer an HDHP?

Lower Premiums – Good for your budget and your team’s take-home pay

Employee Empowerment – HSA's give employees control over their healthcare dollars

Triple Tax Advantage – HSA contributions are tax-free going in, growing, and coming out

Smart Healthcare Use – Encourages cost-conscious decisions like telemedicine

What to Watch For

• Higher Out-of-Pocket Costs – Education is key to avoiding surprises

• Employee Confusion – We provide guides, 1:1 help, and training to bridge the gap

Is It a Fit for You?

An HDHP might work well if:

• You’re a small-to-midsize employer managing rising costs

• Your team is generally healthy and values flexibility

• You can contribute to their HSA's

We’ll help you compare the numbers and make an informed choice — no cookie-cutter solutions here.

Let’s Talk Strategy

Whether you're a district planning next year’s budget or a business exploring better benefits, we’re here to help.

Call us or contact us here to see if an HDHP is the right move for your group.