April 26, 2017 | By Logan Butler

High-deductible health plans (HDHPs) are not the relative novelty they used to be.

A decade ago, only 5 percent of Americans had employer-based HDHPs, with PPOs and HMOs dominating the health insurance landscape. But as medical costs have continued to climb, more and more employers have turned to HDHPs as a way to help protect their bottom line.