I reviewed plans with a health insurance broker in Washington state in September, who openly mocked some Regence (Blue Shield) coverage with a fifteen hundred d

I reviewed plans with a health insurance broker in Washington state in September, who openly mocked some Regence (Blue Shield) coverage with a fifteen hundred dollar annual limit That's not high-deductible, it's low-benefit. A high deductible plan would have you pay out of pocket up to $5k or $10k, and then cover everything above that. I agree that a plan that caps benefits (at something less than $1 million or so) is practically worthless, because the sort of events you actually want to insure against get expensive really fast.