Should I get an HDHP?

If avoiding a financially devastating accident or illness is your main concern, HDHPs may be right for you.  

Are you someone who seldom gets sick? An HDHP could be a good option for you. Only the Bronze coverage level offers high-deductible health plans (HDHPs). These plans have low monthly payments but high costs when you get care. You’ll cover the full cost of your care for most services, but your plan will pay for all expenses once you meet your deductible.  

You can even get more savings by combining an HDHP with a health savings account through your bank to pay for certain medical services tax-free.