Which choice describes the underlying health plan in a CDHP?

A consumer-driven health plan (CDHP) is designed to provide individuals with greater control over how their health care dollars are spent. A key feature of CDHPs is that they often incorporate high deductible health plans (HDHPs) as their underlying insurance structure. This means that before the health insurance kicks in to cover most of the costs, the insured must first meet a relatively high deductible.

High deductible plans align with the CDHP philosophy of encouraging individuals to be more mindful and engaged when making health care decisions, which can lead to more cost-effective choices and greater overall health. The structure of a high deductible allows for lower monthly premiums, which is beneficial for individuals who are generally healthy and do not anticipate high medical costs.

The other options describe features not necessarily associated with consumer-driven health plans. For example, comprehensive low-cost plans typically do not have high deductibles, which contradicts the fundamental aspect of a CDHP. Similarly, a plan that only offers preventive care would not allow the kind of flexibility and financial responsibility that defines CDHPs. Government-funded plans can vary widely in structure and are not exclusively linked to consumer-driven health models, which further differentiates them from the high deductible standard characteristic of CDHPs.