As the new beneits manager at Riley Industries, you have decided to implement a high-deductible health plan (HDHP) for the employees. You have heard there are many benefits to HDHPs, such as substancial cost savings resulting from employees taking charge of their health. You have also heard there are disadvantages. For instance, employees are unaware of how to manage these plans.

1. How should you educate the employees of Riley Industries on high-deductible health plans?

2. What if the employees want to keep their previous insurance plans instead?