What is a feature of Consumer Driven Health Plans (CDHPs)?

High deductibles are indeed a defining feature of Consumer Driven Health Plans (CDHPs). These plans typically incorporate higher deductibles than traditional health plans, which encourages consumers to take an active role in managing their healthcare expenses. By having a higher deductible, individuals are motivated to shop around for healthcare services and make cost-conscious decisions. This structure aligns with the overall objective of CDHPs, which is to empower consumers with more control over their healthcare choices and financial responsibility, thereby fostering a more engaged and informed approach to health spending.

The other options suggest attributes that do not align with the fundamental principles of CDHPs. Unlimited access to specialists is not characteristic of these plans as they often require referrals or have certain network limitations. Fixed low premiums for all enrollees is unrealistic because premiums can vary based on numerous factors, including age, health status, and plan design. Lastly, guaranteed coverage for all expenses is not a feature of CDHPs, as these plans typically involve cost-sharing arrangements, including deductibles, coinsurance, and out-of-pocket maximums, which means not all expenses will be covered fully.