Originally Posted By: JeffS
My current plan is exaclty that- the first 1K is payed for and the next 2K is on us.

Only because of the HSA, which is not part of the insurance, and which would not be included in the plans of the less well-off, which is to whom, IME, most of these high-deductible plans are being pushed.
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Bitt Faulk