After housing expenses—81% of those below the official poverty level and 62% of low-income working families spent over 33% of their income on housing—and after day-to-day essentials, such as food and energy, little if any money remains for medical expenses.But there is a parallel phenomenon: high-deductible health insurance plans linked to tax-advantaged IRA-like Health Savings Accounts. While deductibles range from $1,000 to $4,000 or more, the much lower premiums and tax savings can turn this into a bonanza for healthy people—if they keep their medical expenses down. The plans have taken off, much to the lament of healthcare providers. In 2006, only 10% of those with health insurance opted for a high-deductible plan; by 2012, their ranks had swollen to 34%!

via Testosterone Pit – Home – Paradigm Shift For The Healthcare Expense Monster.

You may agree or disagree with the opinion in this article but nonetheless, the perspective is fascinating.  Read it.