Direct answer
It depends on your annual usage; you will pay lower monthly premiums but must pay the full cost of non-preventative services until you reach your deductible, which can lead to higher immediate out-of-pocket expenses for unexpected care.
Standard summary of benefits and coverage documentation provided by major insurance carriers. For additional information about how these plans function and their impact on costs, see the HealthCare.gov glossary.
What this means for you
It depends on your annual usage; you will pay lower monthly premiums but must pay the full cost of non-preventative services until you reach your deductible, which can lead to higher immediate out-of-pocket expenses for unexpected care.
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This page is informational and not a coverage guarantee or quote.