[nradov]

Health insurers (payers) don't deliver different levels of service based on a plan’s deductible or copay. That's literally just a field in the database. All of your claims and prior authorization requests still flow through the same systems.

In general high deductible health plans can be good option for consumers who are in good health and have the financial means to absorb an occasional large medical bill. There are also tax incentives for such plans.

https://www.healthcare.gov/glossary/high-deductible-health-p...