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…