is HDHP just getting employees to self-insure
Low premium , high deductible and then sharing the insurance pain in effect making the employee self-insure a percentage of the risk . The HSA account just helps the employee fund it. The downside is unforeseen health costs that. If this is good for the employee its because the employee doesn't intend to get sick and in that case not having insurance would be even better. Been arguing this point with a friend
The goal of HDHP's is to push more costs of health care onto consumers and away from companies.