Why might an individual choose a health plan with a high deductible?

An individual may choose a health plan with a high deductible primarily because it typically comes with lower monthly premiums. This option appeals to those who are generally healthy and do not anticipate needing extensive medical care. By opting for a plan with a higher deductible, the insured can save money on their premium payments each month, which can be financially beneficial, especially if they do not expect to incur significant medical expenses.

In contrast, individuals who prioritize avoiding out-of-pocket costs, ensuring comprehensive coverage for all medical services, or receiving cash benefits for preventive care would not typically choose a high-deductible plan. These options generally carry higher monthly costs or do not align with the characteristics of high-deductible health plans.