In my experience (lately), the cost difference between a zero deductible plan and the high deductible plan is about the out-of-pocket max of the latter. Pretty much a wash.

So high deductible it is! Only met the out of pocket max once and it was glorious.

Before Obama, the zero deductible plans were only slightly more expensive than the high deductible plans. (Just an observation)

Seems crazy I was able to make an appointment directly with a specialist and only pay the copay back then…

My company offers us a range of plans, and one of them is always the zero deductible zero out of pocket max policy. More popular with those that have chronic conditions, the premiums are fairly steep.

I’m on the cheapest plan my company negotiated and my premiums are basically zero, because I’m young enough that most years I don’t spend more than a thousand bucks on health care (for me and my kids). Couple years ago I did hit the out of pocket max, though, and they did indeed cover everything from that point at 100%. I would never have gone bankrupt.