Editing Openai/695d4253-5060-8005-95db-586e777927f4 (section)

==== Key drivers of employee plan selection include: ====
* Employee premium contribution (payroll deduction) and perceived affordability.
* Expected out-of-pocket costs (deductible, copays/coinsurance, OOP max), especially given expected utilization.
* Risk preference / financial risk tolerance (preference for predictable copays vs high-deductible exposure).
* Health status and expected care needs (chronic conditions, planned procedures, Rx needs).
* Tax-advantaged features (e.g., HSA eligibility and employer HSA funding for CDHPs).
* Plan understanding / decision support (complexity, transparency tools).
* Family situation (single vs family tier; dependents’ expected use).
* Behavioral factors (status quo bias, inertia, prior-year satisfaction).