Which option is NOT a possible ramification of High-Deductible Health Plans (HDHPs)?

The correct answer is that insurance premiums will always decrease is not a possible ramification of High-Deductible Health Plans (HDHPs). While HDHPs are designed to lower monthly premiums compared to traditional health insurance plans, there is no guarantee or assurance that premiums will consistently decrease across all plans and situations.

In reality, while many consumers may experience lower premiums, these can fluctuate based on various factors such as the insurance provider, geographic location, and changes in healthcare costs. Additionally, as healthcare markets evolve and more individuals enroll in HDHPs, the dynamics of pricing can lead to fluctuations that do not guarantee a decline in premiums.

Therefore, it is important to recognize that while HDHPs might lead to lower premiums for some, it's misleading to assert that this will always be the case, making the statement about insurance premiums inaccurate in this context.