The rising cost of health care, including prescription drugs, has made it increasingly difficult for employees to afford medical care. Employees may forgo medical care to avoid out-of-pocket costs, even when such care is recommended or necessary. Employees who do receive medical care may struggle to pay their health care bills. High-deductible health plans (HDHPs) can help employees by keeping premium costs manageable, but they can also create more financial risk for employees until the deductible is met.
