And as a side note, for my family I actually love high deductible plans when I can get the deductible around the same dollar figure as my max HSA contribution. Once I can hit the deductible for an individual, free healthcare!<p>I never hit it, because I have very few health needs. But add a pregnancy and delivery into the mix and you&#x27;re set. It&#x27;s the opposite effect of what the theory in the article supposed, but just one data point.