Which combination best aligns with the HDHP profile described in the material?

• A. Lower deductible and higher premiums.
• B. High deductible, lower monthly premiums.
• C. High deductible with low premiums.
• D. No deductible with flat fee.

Answer: (B)

HDHPs are built around paying more of your costs up front in the form of a high deductible, while keeping monthly premiums lower. The key trade-off is that you save on regular, ongoing costs but accept higher out-of-pocket spending before benefits apply. This is why the choice describing a high deductible paired with lower monthly premiums fits the HDHP profile best. After meeting the deductible, you typically share costs through coinsurance until you reach the out-of-pocket maximum, and many HDHPs still cover preventive care before the deductible. Other options that imply no deductible or a low deductible with higher premiums don’t align with how HDHPs are designed.