The county's low-premium health plan carries a $4,000 deductible that field crews cannot cash-flow, so they delay care, while downtown professionals like the cheap premium. What should the CHRO do?
Select an answer to reveal the explanation.
Short Explanation
A cheap premium with a deductible nobody can write a check for is not a benefit — it is a rain delay. Field crews do not have a downtown HSA habit. Design the plan for the people who pave the streets, not for the people who designed the plan.
Full Explanation
Health-benefit strategy must fit the workforce's cash-flow and care-access pattern, not the usage of professional staff. High deductibles that cause deferred care raise avoidable emergency cost and hurt retention among hourly crews. SPHR 4.3 expects evaluation and redesign — copays, clinic access, or a richer option — rather than doubling down on a consumerism theory the workforce cannot use. Eliminating coverage is not a strategy.