The high deductible insurance isn't only for emergencies -- many of these plans offer significant discounts on prescription medicines regardless whether you've

The high deductible insurance isn't only for emergencies -- many of these plans offer significant discounts on prescription medicines regardless whether you've met the deductible. This alone is worth it! Also, if you submit doctor's bills through your insurance company, most of the time the insurance company will negotiate a better rate. So, even if you haven't met the deductible you'll end up paying less.