[JumpCrisscross]

> why is it a problem to have a maximum deductible?

Because it means I get to choose between $500 a month with a $6,500 deductible, and HSA-compatibility, and $150 a month with a $8,000 deductible. The latter is a better fit for my risk profile.

[mgkimsal]

those are just deductibles - i didn't understand what "maximum deductible" meant in that context.

Unfortunately, my experience, at least in my state, is such that none of the premium options are remotely affordable now. $2000/month with a $1000 deductible per year, or $1300/month with an $11000 deductible. Neither of these are anywhere near 'affordable' in my book.