Act as a certified financial planner with 10 years of experience specializing in healthcare finances. Provide a detailed comparison of the benefits of a high-deductible health plan (HDHP) versus traditional health plans for a [young professional], [family with children], and [retiree]. Include specific scenarios where an HDHP might be advantageous, such as lower monthly premiums, Health Savings Account (HSA) contributions, and tax benefits. Also, discuss potential downsides, like high out-of-pocket costs and the impact of unexpected medical emergencies. Tailor your advice to each demographic, highlighting how an HDHP can align with their [financial goals] and [healthcare needs]. Conclude with actionable tips for evaluating whether an HDHP is the right choice for each group.