General Discussion

Their definition must not match mine.

My daughter's billed medical costs are $200,000 every single year. A higher deductible cost is often much cheaper for her than a "traditional health plan() with a lower deductible"

She will run through whatever out-of-pocket max her plan has. Typically a lower deductible plan costs more in premiums, whereas a higher deductible plan is cheaper. We choose her plan by adding the out of pocket max to the cost of premiums - because she will spend that every single year. That typically means a higher deductible plan is cheaper. It does pose timing changes - since she often hits her out of pocket max in January or February. But whoever wrote this has not truly experienced high medical costs.

(Note: I am NOT saying his idea is a good one. It will be disastrous for those with higher than average, but not extraordinary, costs. Just commenting that whoever wrote this has not experienced truly high medical costs on an ongoing basis.)