Which description would you expect for an HDHP based on the provided material?

• A. Low deductible with zero premiums.
• B. Moderate deductible with unlimited visits.
• C. High deductible with no premium.
• D. High deductible, lower monthly premiums.

Answer: (D)

High-deductible health plans are defined by paying more out of pocket before coverage begins, while monthly premiums are kept lower. This combination means you’ll cover a larger deductible before benefits kick in, but you’ll pay less each month in premiums. The description that matches this pattern is high deductible with lower monthly premiums. The other descriptions don’t fit because they either suggest a low deductible, a scenario with no premium, or an unrealistic setup like unlimited visits with a moderate deductible, which contradicts the HDHP structure.