How to make a high-deductible health plan work for you

Noted: But a study published in the National Bureau of Economic Research shows this may not be the case. The paper by Justin Sydnor, an associate professor of risk and insurance at the University of Wisconsin-Madison, and Chenyuan Liu, who is pursuing a doctorate the University of Wisconsin-Madison, finds that at companies offering both a HDHP and a low-deductible plan, selecting the HDHP typically saves more than $500 a year. “High-deductible plans often have much lower employee premiums,” Sydnor said.