Will High Deductible Health Insurance Plans Become The Norm? 
That is a great question ! Very simply put , probably so . While the Affordable care Act -LRB- Obamacare -RRB- has done a good job of slowing healthcare costs from rising double digit increases to low single digit increases , the damage has been done . The high costs to employers of providing their share of the costs eats into their profits , and sadly the prevailing sentiment seems to be profits are more important than employees in far too many cases . As that is the case , what we are seeing is a shift from the employer taking the risk of paying to the employee . This has been the case with retirement accounts , there are very few companies that pay pensions anymore , most have moved to employee managed 401k 's or IRA accounts . The same with health care - they still offer it , but to keep costs low , they offer plans that have low costs , and high deductibles . The good companies will make HSA 's -LRB- Health Savings Accounts -RRB- available to you -LRB- they allow you to deduct money from your check and deposit it in an interest bearing account for future medical expenses , and can only be used with high deductible plans -RRB- to kind of balance them out . So my best guess is unless there is a change in employer love for profit , or a dramatic drop in health care costs , we 've pretty much set ourselves on a path of high deductible health care plans . Thanks for asking such a good question ! 