Just the deductible means this plan is of no help to a family with kids.
I can see a single or a childless couple having bought a catastrophic plan with such a high deductible prior to ObamaCare. They'd be gambling on their health, and they'd probably be making a good gamble.
But forking over $6000 bucks before you even begin to get coverage means that for most years you simply don't have coverage.
Now see...there you go...trying to bring back that ancient topic of catastrophic health-care packages. This was batted around in the 1980s, 1990s and the last decade. No one wants to put that on the table because insurance companies won’t make money that way. I’d readily agree...a family ought to handle it’s own bills as long as it’s $10k or less a year, and then rely on some catastrophic package for everything over that amount. We could whittle this whole thing down to seventy-five dollars a month and suddenly everything would be affordable and realistic.