
Choosing between an HDHP and a PPO is one of the most important financial decisions employees make each year, yet most people do it without the full picture. This guide breaks down how high deductible health insurance actually works, who it's a smart fit for, and where it can backfire, including real talk on costs, HSA benefits, and what families with frequent care needs should watch out for. Whether you're an HR leader building your benefits strategy or an employee staring down open enrollment, here's what you need to make the right call.


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