I was on high-deductible plan a couple of years ago, and went in for an allergy test. After the test, I got a bill for $750 ish. Insane. This was in November as

I was on high-deductible plan a couple of years ago, and went in for an allergy test. After the test, I got a bill for $750 ish. Insane. This was in November as well, so two months later the deductible would reset in 2 months. In the same year I had a whole array of expensive dental work done, and I almost exhausted my HSA. I swore off high-deductible plans ever since then. Even though I'd selected a HDHP at the beginning of open enrollment (in Nov) that year, I was able to call HR in December and switch me to a normal PPO plan (which just had copays).