My company did something different. They couldn't negotiate a decent price to keep the already bad $X deductible (which wasn't terrible, but was still classifie

My company did something different. They couldn't negotiate a decent price to keep the already bad $X deductible (which wasn't terrible, but was still classified by the IRS as a HDHP). We have a lot of young people who don't even hit the deductible as it is. So, their compromise was to get a plan with a $2X deductible. BUT they reimburse you for any penny spent over $X before the deductible has been payed. The reimbursement if handled by another company, so the company I work for never sees any medical information.