There are several differences between a Preferred Provider health insurance plan (PPO) and a consumer-directed high-deductible health insurance plan with a Health Savings Account (HSA). Which of the following wouldNOTbe considered an advantage that is typically associated with holding a consumer-directed health insurance plan with an HSAinsteadof a PPO? That is, if you were an employer who was trying to convince your employees to enroll in the HSA instead of the PPO, which of the following statements wouldNOTbe consistent with reality?

Group of answer choices

Enrolling in a consumer-directed health insurance plan with an HSA, instead of a PPO, is typically beneficial if you and/or your family expect to have very high medical expenses.

An advantage of holding a health savings account is that money that is placed into the HSA is not taxed (if used to pay for medical expenses), and if an employee contributes to an HSA the employee will lower his/her taxable income.

Money that is held in an HSA is supposed to be used to pay for medical expenses, and employers often contribute to employees' HSA savings accounts.

The premium for a consumer-directed health insurance plan with an HSA is typically lower than the premium for a PPO plan.