Consumer-Driven Health Plan

A Consumer-Driven Health Plan (CDHP) is a plan that enables you to make decisions about your health care and how you pay for care. For example, you have a choice to 1) either pay more up front in premiums from your paycheck and less when you actually receive care (lower deductible) or 2) less up front in premiums from your paycheck and more when you actually receive care (higher deductible).

Getting to Know Your Health Plan

Use this interactive video from CVS/Caremark to help you understand how CDHPs/HDHPs work!

CDHPs are similar to Preferred Provider Organizations (PPOs) in that you can:

  • Use any provider

  • Receive discounted rates for in-network services

  • Have 100 percent coverage for preventive care visits

CDHPs feature lower premiums (payroll contributions) in exchange for higher deductibles, which means you can save more money over time for current and future health needs. In the case of Farm Credit Foundations Medical Plan, the two new CDHPs will be paired with a Health Savings Account (HSA) that you can use to help cover out-of-pocket costs.


CDHPs consist of two components:

  1. High-Deductible Health Plan (HDHP) - A health insurance policy that requires you to pay a large amount of money – the "deductible" – before coverage kicks in. The goal of the HDHP is to cover more expensive, emergency medical care. Monthly premiums are lower than those in traditional health plans.

  2. A medical savings account to cover routine medical costs. The savings accounts can be HSAs, HRAs or FSAs, but typically they are HSAs.


Use the ​Plan Comparison Tool to find out what plan is right for you


​​Watch a video to learn 7 Ways to Save on Prescription Drugs

Estimate your drug costs for 2018 using the Prescription Cost Estimator Tool


Find more helpful tools in the Resource Library




Prescription Drugs Apply to Deductible

There are no copayments for prescription drugs. This is because the cost of drugs applies to the plan deductible, which must be met before coinsurance begins (i.e., when the plan starts to pay a percentage of the cost up to the annual out-of-pocket maximum, at which point, the plan pays 100 percent, depending on which CDHP you select). Learn More