Which of the following is a benefit for CDHP consumers?

The correct answer is the last option, which indicates that all the listed benefits are advantages for consumers of Consumer-Directed Health Plans (CDHPs).

CDHPs are designed to give consumers greater control over their healthcare decisions, often accompanied by higher deductibles and a Health Savings Account (HSA) or Health Reimbursement Account (HRA). This structure emphasizes the following benefits:

• Coverage: CDHPs generally include essential health benefits and preventive care, ensuring that consumers have access to necessary health services when they need them. Even with higher deductibles, the plans must still cover a variety of medical expenses.

• Choice: One of the primary characteristics of CDHPs is the empowerment of consumers to choose how to allocate their healthcare funds and which services to utilize. This choice can lead to more personalized care and financial decisions that reflect individual health needs and preferences.

• Access: CDHPs can enhance access to care by combining a broader provider network with preventive services that are covered at no cost. Consumers often have the flexibility to choose providers and can seek out cost-effective care options because they are more invested in their healthcare expenditures.

Each of these elements contributes to the overall attractiveness of CDHPs for consumers, making the option that states all of the