Jake is a 28-year-old single man who elects Employee Only coverage. He’s healthy and generally only needs annual preventive care and the occasional sick visit. With limited savings, Jake wants a plan that keeps out-of-pocket costs low while still giving him access to high-quality care if something unexpected happens.

Jake makes his health a priority with preventive care and an annual check-up. When minor issues pop up, like a sinus infection during allergy season, he opts for the convenience of a virtual visit and a low-cost generic prescription.

This year, his care was simple — one preventive exam, one virtual visit, and a prescription refill. With such minimal use, Jake benefited most from the HDHP. The plan’s low premiums and Sample Company’s HSA contribution helped cover his small expenses while keeping his overall costs down. Most importantly, Jake feels confident knowing he’s protected if something unexpected happens — all without overpaying for coverage he rarely needs.

A Win for Jake — and the Company

Choosing the HDHP lets Jake keep more of his paycheck while still having reliable protection for big, unexpected expenses. The lower premiums and Sample Company’s HSA contribution make it easy for him to cover the occasional visit without dipping into savings.

For Sample Company, this is a win because employees like Jake are making cost-conscious choices that align with how they actually use healthcare. Encouraging enrollment in the HDHP helps the company control overall plan costs, reduce premium growth, and reinvest savings into valuable benefits for the entire workforce. It also empowers employees with tools — like HSA contributions and preventive care — so they feel supported while managing their healthcare dollars wisely.

Claire is a Sr. Accounts Payable Specialist at Sample Company. She and her husband, Ben, have two active kids who need regular pediatric care — including well-child visits and vaccinations. Sometimes, life throws in surprises, like when their daughter broke her arm, requiring an ER visit, imaging, and follow-up care with an orthopedic specialist. Claire also prioritizes her well-being by scheduling regular therapy sessions to manage stress and stay balanced.

Because they participate in the LiveWell program to maximize their benefits, Claire and Ben chose the HDHP, paired with Sample Company’s $1,200 HSA contribution. This combination helps them control monthly costs and prepare for unexpected medical expenses while keeping more money in their pocket for family priorities.

With two active kids, the Martins make regular use of pediatric care, including well-child visits and vaccinations. They occasionally need urgent care or specialist visits—like when their daughter broke her arm falling off the monkey bars, leading to an ER visit, imaging, and follow-up care with an orthopedic specialist.

In addition to caring for her kids, Laura prioritizes her own well-being by seeing a therapist regularly for mental health support. For this family, a plan that combines lower premiums with DFW’s generous HSA contribution makes sense. It helps them manage both routine care and unexpected medical costs without breaking their budget.

A Win for the Martins — and Sample Company

By choosing a plan that balances affordability, flexibility, and preventive care, the Martins keep their family healthy while avoiding financial strain. The HSA contribution gives them an extra cushion for unplanned expenses, and their commitment to in-network care helps control claim costs—supporting long-term savings for the company and all employees.

When families like the Martins use their benefits strategically, everyone wins—better access to care and a sustainable benefits program for the future.

Susan and Dave are in their early 60s and elect Employee + Spouse coverage. With both managing chronic conditions — and Susan preparing for knee surgery later this year — they need a plan that provides comprehensive coverage with predictable out-of-pocket costs and access to trusted providers.

The Parkers use their healthcare benefits extensively. Dave manages diabetes, including routine visits to his endocrinologist and ongoing insulin prescriptions. Susan is currently in physical therapy to prepare for knee surgery and regularly sees a therapist to support her mental health during recovery.

They rely on their plan to cover a wide range of services, from specialist care and prescriptions to surgery and outpatient rehab — and want the flexibility to see out-of-network providers if needed.

A Win for the Parkers — and Sample Company

With high medical usage, Susan and Dave depend on a plan that provides extensive coverage without creating financial stress. By making smart use of in-network providers, they manage their chronic conditions and major care needs while helping reduce overall claim costs.

When employees with complex medical needs have access to coordinated, cost-effective care, it supports better health outcomes — and helps the company maintain a strong, sustainable benefits offering for all.