High Deductible Health Plans (HDHPs) now are the preferred commercial insurance offerings, both to employer-sponsored and individually purchased plans. An HDHP is defined as having an individual annual deductible of at least $1,300, and/or a family annual deductible of at least $2,600.1 However, HDHPs may range from these minimums, which carry relatively high premiums, up to several-thousand-dollars deductibles, and have lower premiums. While insurance carriers benefit from reduced financial risk, providers and patients struggle to adapt. Patient responsibility accounts for a growing percentage of a practice’s accounts receivable, and that number can be even higher in the early part of the year as many plan deductibles reset in January. Providers that don’t take action are put

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