UMP CDHP is a health plan that covers the same services as UMP Classic, including free preventive care. For a lower premium, you have a higher deductible for covered services other than those covered as preventive. However, you have only one combined deductible and your out-of-pocket limit includes your deductible and prescription drug costs, in addition to medical services.
A major feature of UMP CDHP is a Health Savings Account (HSA), which allows you to save money for qualified medical expenses. Unlike a flexible spending account (FSA), you don't have to spend all the money in your account each year; it rolls over into the next year. And if you use your HSA funds only to cover qualified medical expenses, you will realize tax savings.
To help you decide if UMP CDHP is right for you, see Compare the Plans.