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by tracker1 750 days ago
High deductible might cover prescriptions but have a deductible amount. If you're in a position with enough savings, hsa or the like, you can hold enough per year to cover those deductibles. It will also shape the level of service you get. I'm paying for a PPO plan with a decently big deductible and max out of pocket so I can keep seeing one of the Mayo specialists I've been seeing for a few years now.

It's not the easiest option if I were making half as much with young children though.