How To Make a High-Deductible Health Plan Work for You By Jackie Fortiér Ilustrations by Oona Zenda April 13, 2026

https://kffhealthnews.org/news/article/health-care-helpline-npr-hsa-savings-account-high-deductible-plan-tips/?utm_campaign=KHN%3A%20First%20Edition&utm_medium=email&_hsenc=p2ANqtz-_TTLL8aGlJ3KPMZwpd7G-NlGaivotyCB6VdV9vvfgG-v-2YNSllFHkutYN9rCzs9pHr5rII9KAn3HMOtC_BhimNmtVkQ&_hsmi=413467295&utm_content=413467295&utm_source=hs_email KFF Health News: How To Make A High-Deductible Health Plan Work For You An elementary school teacher chose a low-price health insurance plan but soon realized she wasn’t clear about what it would mean for her family’s finances. When enhanced federal subsidies expired at the end of 2025, a lot of people buying their own health insurance on the state and federal exchanges saw their expected monthly rates jump. To keep costs down, many switched to a high-deductible health plan. These plans offer lower monthly payments, but in exchange patients can face steep out-of-pocket costs when they need care. (Fortiér, 4/13)