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High-deductible insurance deters doctor visits Although workers enrolled in a high-deductible health plan can open a tax-advantaged health savings account, they are less likely to visit their physicians, with those in lower income groups making fewer doctor visits, according to this article on CNBC. This poses a concern, as it indicates that people are limiting the health care services that they receive, says an expert. Clients are advised to weigh their options before signing up for a high-deductible health plan. They should not reduce their 401(k) contributions so they can save in an HSA, and ensure that they contribute enough to get their employer match contributions.

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