Table 2 Anticipated changes in care-seeking: "How do you think having a deductible will affect your choices and behavior regarding your health care?

Decrease or delay medical care

50.8%

   Use less care (type not specified)

26.1%

I know it's going to cost quite a bit, so I won't go quite as much.

   Go to the doctor less

9.6%

I don't make any doctor appointments, and don't go to my made appointments. I need to go to a specialist. I will probably spend at least $500 a year [deductible amount].

   Get fewer medical tests

4.4%

It's going to lower my ability to have healthcare because I can't afford it. I have 6 different chronic diseases and have to put off blood tests for 3 months. This means I can't afford to get better - it's too expensive to get healthy now.

   Go the ED less

3.1%

I'd just wait until I was sure it was dangerous before shelling out all that money for nothing.

   Use fewer prescription drugs

2.2%

It affects a lot -This year I'm trying not to refill the new expensive medication.

   Reconsider/Delay seeking medical care

11.2%

I will re-think decisions up to the deductible. It's pricey with three kids.

   Use out-of system care

2.4%

I will go to a free clinic instead.

Concerned about deductible costs

25.8%

   Change to another health plan

15.1%

I have looked for another insurance carrier, and as soon as I find one we will change.

   Can't afford health care

14.7%

I can't afford to take all medications I need. I might even have to buy less food to afford medication. I am going to look into other plans.

   Unhappy with my deductible plan

8.3%

This plan wasn't a good choice, it's easier to have a flat rate instead of a guessing game.

   Uncertain about my costs

6.5%

We pay so much money and I don't know how much anything costs.

Uncertain about effects

3.8%

I really don't know - I'm very healthy.

No expected effects

24.0%

It doesn't impact me at all. I should help pay for my medical services, so it's pretty fair.