Why are High Deductible Health Plans becoming the norm for most employers in the United States?
Even though PPO health plans are a bit more expensive than High Deductible Health Plans, at least you only have to pay a small copay for doctor's visits ($20 to $30 copay).
With a High Deductible Health Plan, you have to pay the full cost (with some discounts added) with each doctor visit. Once you meet your deductible, then you pay a lot less for each doctor visit. Though, who meets their deductible in a year?!