Question
Should enrollment in high-deductible health plans require an explicit opt-in conversation instead of being treated as the default?
Background
Some patients discover only after treatment that they chose a plan with a large deductible and significant out-of-pocket costs. A stronger opt-in process could improve understanding, but may slow onboarding and reduce enrollment in lower-premium plans.
Options
- Require a documented opt-in discussion for all high-deductible plans.
- Provide clearer written disclosures but keep the current process.
- Discourage high-deductible plans except when requested by patients.
- Make no changes to the current enrollment approach.