High Deductible Health Plans (HDHP) have been thought to be a good value, but many people are proving disatisfied with the system compared to those who Low Deductible plans.

It all comes down to perceived value.

With a HDHP, premiums are reduced by taking on a high annual deductible, often $1,500 or $3,000 for individuals and families. 

Because initial medical expenses have to come out of pocket to meet these deductibles, many people insured with a HDHP avoid going to the doctor at all.

This tendency is found to be regardless of income, because no matter how much money people make, a high percentage are not able or willing to pay a sudden hospital fee of $500-$1,500. 

When this is the case, a HDHP essentially becomes health insurance for catastrophic injury or illness, and people insured with a HDHP may receive infrequent and insufficient healthcare.