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Is a high-deductible health plan right for you?
USA Today

If you’re looking to cut your health care insurance premium, one route is a high-deductible insurance plan. But the downside is this: If you become seriously ill, you’ll realize why it’s called a high-deductible plan.

For that reason, proponents like to call high-deductible plans “consumer-directed health care plans.” No matter what you call it, here’s how they work: In exchange for a relatively low annual premium, your insurance doesn’t kick in until you’ve met your deductible — often $3,000 or more.