A high deductible health plan (HDHP) or Curative for your employees?

Choosing a health plan that helps your employees stay healthy is a key decision for many employers. There are countless benefits when providing a comprehensive health plan that employees can afford — including increased productivity, improved morale, and better employee satisfaction. When employees are healthier, your business sees benefits. 

Many benefits packages feature a high deductible health plan (HDHP). HDHPs result in hefty out-of-pocket expenses, typically discouraging individuals from seeking necessary preventive or medical care due to financial burden. As of 2022, the IRS defines HDHP as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family. 

At Curative, we believe that healthcare should be affordable. We’ve developed a health plan focused on prevention and wellness, with no copays and no deductibles, as long as members complete a Baseline Visit in the first 120 days. With complete cost transparency and affordability, employees feel comfortable getting the care they need, when they need it. 

Here’s a breakdown of how Curative compares to the average HDHP — and why investing in your employees is investing in your business. 

Employer considerations when choosing a plan:

• What health care services do you want to be covered by your insurance plan?
• Do the out-of-pocket expenses that come with a high-deductible health plan match your employees’ budget?
• Do your employees have the ability to cover unexpected medical emergencies? 

Ultimately, the choice of health insurance comes down to what is best for the health of your employees, your business, and your community.

To learn more about Curative’s plan, please schedule a call with our team at sales@curative.com. 

Resources: 

• Brenan, M. Record High in U.S. Put Off Medical Care Due to Cost in 2022. ( 17 Jan 2023). Gallup. https://news.gallup.com/poll/468053/record-high-put-off-medical-care-due-cost-2022.aspx. 
• Blackman, M. Employees Poor Health Cost Employers $575b In 2019. (8 Dec 2020). Health Leaders. https://www.healthleadersmedia.com/finance/employees-poor-health-cost-employers-575b-2019 
• Employee wellbeing is key for workplace productivity. Gallup. (Retrieved 1 April, 2023), from https://www.gallup.com/workplace/215924/well-being.aspx 
• Gupta, A., Kapur, A., Machado-Pereira, M., & Singhal, S. (20 Oct 2022). The gathering storm: The threat to employee healthcare benefits.  https://www.mckinsey.com/industries/healthcare/our-insights/the-gathering-storm-the-threat-to-employee-healthcare-benefits 
• "High Deductible Health Plan (HDHP)." Investopedia. https://www.investopedia.com/terms/h/hdhp.asp. Accessed 8 August 2023) 
• Lenski, C. 2023 Employer health and benefit strategies focused on affordability and access, Mercer survey. (6 Jul 2022). Mercer. https://www.mercer.us/newsroom/2023-employer-health-and-benefit-strategies-focused-on-affordability-and-access.html 
• What is a high-deductible health plan (HDHP)? (Retrieved 5 May 2023). https://www.healthinsurance.org/glossary/high-deductible-health-plan/  
• Zheng Z, Jemal A, Banegas MP, Han X, Yabroff KR. High-Deductible Health Plans and Cancer Survivorship: What Is the Association With Access to Care and Hospital Emergency Department Use? (15 Nv, 2019) J Oncol Pract. https://pubmed.ncbi.nlm.nih.gov/31393809/