During that deductible period there is an incentive not to go seek care because you have to pay for it and it's hugely expensive," Campbell said. "Once that deductible's satisfied the incentive is reversed. Now it's use it or lose it and you may as well go to the doctor everyday just because you like the lobby.

In NM, I can't imagine hitting the high deductible unless you're really extremely ill. But then, some news articles have said the average American has *9* prescriptions ... a number which I just can't process without shaking my head in disbelief.