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... savings accounts (HSAs) are becoming more common in employer-sponsored insurance and the individual and small group markets.  These types of plans have risks and features must be implemented carefully so they do not harm cancer patients, survivors or those at risk for cancer. What is ... have lower premiums – the enrollee’s monthly bill – the plans have higher deductibles and enrollees often pay a much higher share of the cost for health care services.  Shopping by premium alone can result in large out-of-pocket costs in HDHPs. The IRS defines a HDHP as any plan with a deductible of at least $1,400 for an individual or ...