The document discusses how more organizations may offer high-deductible health plans (HDHPs) due to the upcoming "Cadillac" tax in 2018 and new data showing that HDHPs have lower total costs than other plan types such as HMOs, PPOs, and POS plans. Specifically, the data from a 2014 survey shows that on average HDHPs have lower employer and employee contributions, resulting in total costs that are hundreds of dollars less per family or single coverage compared to other plan types.