To determine the impact of HSA-HDHP with and without PDLs on vulnerable populations and test for heterogeneity of treatment effects among vulnerable populations, the investigators will first perform stratified analyses, comparing outcomes between intervention and control subgroups defined by the binary measures of the risk factors of interest (low income, minority race/ethnicity, moderate-severe asthma, presence of other chronic conditions, high ACG morbidity). Analyses will use three-way interaction terms (insurance type * study period * subgroup) to test for statistical differences between subgroups in the impact of the change to an HSA-HDHP with PDL vs. remaining in a traditional plan. In Aim 2 analyses, the investigators will include both adults and children together, with age included as a co-variate.