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According to the Commonwealth Fund, early experience with HAS eligible high - deductible health plans reveals low satisfaction, high out of - pocket costs, and cost - related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA - eligible high - deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high - deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.