What type of coverage does the Consumer Driven Plans typically include?

Consumer Driven Plans (CDHPs) are structured in a way that empowers individuals to take control of their healthcare decisions and spending, often facilitated by high-deductible health plans combined with health savings accounts (HSAs) or health reimbursement arrangements (HRAs). The primary characteristic of these plans is that they typically place a greater emphasis on the consumer’s role in managing their healthcare expenses, which is aligned with the notion of employer-controlled coverage.

In this context, the employer often contributes to an employee's health savings account, enabling employees to use these funds for a wide range of healthcare services, thus encouraging them to shop for healthcare solutions that fit their needs and budgets. This model fosters a sense of responsibility regarding healthcare spending, allowing employees to make informed choices about their medical care, all while being backed by their employer’s contribution to the overall plan.

While comprehensive coverage, managed care coverage, and preventative care coverage all have significant roles in health insurance design, the distinction of Consumer Driven Plans lies in their structure that highlights the consumer's decision-making capabilities, under the umbrella of guidance initially provided by the employer.