By Jackie Fortiér

April 21, 2026

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<br /> <span class="byline">Jackie Fortiér</span></p> <p>High-deductible plans can look like a deal, until the bills start rolling in. On this episode of the NPR podcast <em>Life Kit</em>, reporter Jackie Fortiér breaks down what to expect and how to prepare.</p> <p>A lot of people choose their health insurance the way they shop for a flight — sort by the lowest price and click “buy.” But what looks like a bargain upfront can come with costly consequences later.</p> <p>After some federal financial aid expired, many Americans found that high-deductible health plans were the only option they could afford.</p> <p>In a new episode of NPR’s <em>Life Kit</em> podcast, KFF Health News reporter Jackie Fortiér and podcast host Marielle Segarra discuss what these plans are, and why they can feel so confusing. Imagine paying $100 out-of-pocket for a routine doctor visit that used to cost you $20. Imagine shouldering thousands of dollars in bills before your insurance pays a cent.</p> <p>Still, for some people — especially those who rarely need medical care — high-deductible plans work. Listen to the episode to explore how timing your care and taking advantage of free preventive services can help you make the most of your coverage.</p> <p><a href="https://kffhealthnews.org/about-us">KFF Health News</a> is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about <a href="https://www.kff.org/about-us/">KFF</a>.</p> <h3>USE OUR CONTENT</h3> <p>This story can be republished for free (<a href="https://kffhealthnews.org/news/article/listen-health-care-helpline-life-kit-high-deductible-plans-out-of-pocket-costs/view/republish/">details</a>).</p> <p>
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