回复：请教HAS，high deductible health insurance plan的问题

1. First you pay all the cost until you reach the deductible limit.
2. Then you pay a copay(20% or $20 for each visit, for example) until all your out-of-pocket payment reachs a second limit.
3. Beyond that the insurance company should bear all the costs.

Personally I believe if you expect to spend more than 5k it's probably better off with traditional plans, if such plans cost no more than $3k per year.