Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Which of the following is a recognized consumer-driven health plan (CDHP) model?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Consumer-driven health plans combine a high-deductible health plan with a tax-advantaged spending or savings account, giving consumers more first-dollar responsibility and more control over how they spend their health care dollars. Recognized CDHP models include the HSA paired with a qualified HDHP, health reimbursement arrangements (HRAs), flexible spending accounts (FSAs), and Archer medical savings accounts (MSAs). The account is used to pay qualified medical expenses before the deductible is met.
Why the other options are wrong
- B) A prepaid group practice describes an HMO staff-model delivery arrangement, not a consumer-driven health plan.
- C) Workers' compensation is a separate statutory benefit system for job-related injuries, not a CDHP model.
- D) A Medicare supplement (Medigap) policy fills gaps in Original Medicare and is not a consumer-driven plan.
Memory hook
CDHP = high deductible + tax-favored account. The consumer pays first; the account helps pay the bill.