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High deductible health plans (HDHPs) and health savings accounts (HSAs) are becoming more common in employer-sponsored insurance and the individual and small group markets.  These types ... or those at risk for cancer. What is a High Deductible Health Plan (HDHP)? A HDHP is a plan that requires more payment “up-front” for health care.  If an insurance plan has a deductible, the enrollee must pay for their health care costs in full until he or she has met the deductible.  ...