The PPO co-pay and High Deductible Health plan are different, in the co-pay plan you pay more upfront out of your payroll check weekly. When you see a provider, you will then pay the applicable co-pay at the time of service. In the high deductible health plan, you pay less out of your payroll weekly, but you would need to meet the applicable deductible, once that has been met, you are then responsible for 20% of the bills you acquire. With a high deductible health plan, you also have the option to enroll in an HSA (health savings account) where you can have a dollar amount of your choosing taken from your weekly payroll and deposited into your HSA account where the funds can be used for any medical, dental or health expenses before or after your deductible has been met.