What you need to know

Are CDHPs & HDHPs the same thing?

One of the most common misperceptions about CDHPs is that they are only high-deductible health plans (HDHPs). This only tells half of the story. A CDHP is the combination of an HDHP paired with a healthcare account.

The HDHP component of a CDHP is often referred to as “catastrophic insurance,” because the deductibles are, by definition, higher than those of traditional health insurance plans ($1,000 or more) and they generally ask consumers to pay a portion of the cost of healthcare products and services before insurance coverage pays.

A consumer-driven health plan (CDHP) has a healthcare account that encourages more informed choices; without a healthcare account a high-deductible health plan is just an HDHP.

Coaches' Takeaway

No.  An HDHP without a healthcare account covers users only when they have incurred significant costs beyond the deductible. A CDHP is the combination of an HDHP and a healthcare account.

Tools & Resources

CDHPCoach’s Storage Facility, where the Coach has organized and compiled a vast amount of tools and resources for you to access.


Housed here are key components and information within the book, Bend the Healthcare Trend which was the impetus behind the CDHPCoach.

Tools and resources

What you need to know