For consumers with high deductible health plans—which have become the rule these days rather than the exception—cash-pay options have become more attractive. In some cases, cash pay is actually a better price than the insurer’s negotiated rate, so it makes sense for a consumer who is paying out-of-pocket regardless to skip their insurance altogether. The only downside would be the fact that the direct, out-of-pocket expenditure would not be applied to the threshold of the …
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