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- High deductible health plans are private health insurance plans that feature a large deductible essentially before your insurance kicks in. So, this is similar to auto insurance that most people have. Where you have to pay a certain amount before your insurance will start paying for the rest. There are now 40% of Americans with private health insurance who were enrolled in a high deductible health plan. So, these plans are becoming increasingly common. They tend to be less costly for employers, and in some cases for patients or consumers. And they seek to encourage patients to be more active, judicious, cost conscience healthcare consumers. One major challenge with high deductible health plans is people going without healthcare that they desperately need. Research has shown that when people move in to a high deductible health plan they tend to decrease their use of most healthcare services. What that means is people getting fewer low value services that are unlikely to improve the h
