MINI-CASE STUDY Suppose that, as the new benefits manager at Riley Industries, you have decided to implement a high-deductible health plan for the employees. You have heard that HDHPs have many ben- efits, such as substantial cost savings resulting from employ- ees taking charge of their health. You have also heard there are disadvantages. For instance, employees are unaware of how to manage these plans. How should you educate the employ- ees of Riley Industries on HDHPs? What if the employees want to keep their previous insurance plans instead? Discuss the other advantages of HDHPs to both the employer and the em- ployees, including how employees are able to promote better health through these plans. Name some other disadvantages of the plans, including the inability to save for possible deduct- ible costs. What is your opinion on companies moving toward HDHPs?

Suppose that, as the new benefits manager at Riley Industries, you have decided to implement a high-deductible health plan for the employees. You have heard that HDHPs have many benefits, such as substantial 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. How should you educate the employees of Riley Industries on HDHPs? What if the employees want to keep their previous insurance plans instead? Discuss the other advantages of HDHPs to both the employer and the employees, including how employees are able to promote better health through these plans. Name some other disadvantages of the plans, including the inability to save for possible deductible costs. What is your opinion on companies moving toward HDHPs