What benefit is typically offered by an HDHP regarding preventive care?

An HDHP, or High Deductible Health Plan, often offers the benefit of providing preventive care without requiring the insured to meet their deductible. This means that services such as vaccinations, screenings, and annual check-ups are fully covered, making it financially accessible for individuals to receive necessary preventive healthcare without the obstacle of deductibles. This approach encourages individuals to engage in preventive health measures, which can lead to earlier detection of health issues and overall better health outcomes.

The misconception that HDHPs do not cover preventive care or require high out-of-pocket expenses can deter individuals from pursuing these services. However, the intention of these plans is to promote health maintenance and early intervention, thus improving the long-term health of policyholders. The other options may suggest characteristics of health plans but do not accurately reflect the typical benefit regarding preventive care offered by HDHPs.