Some employees are missing out on doctor's visits and flu shots.
A recent paper from the Employee Benefit Research Institute analyzed a large manufacturer between 2009 and 2014 with a high-deductible health-care plan. The study did not name the company.
Across the board, workers who enrolled in the high-deductible plan saw the doctor less. This was a problem especially for lower-income employees.
Under a high-deductible plan, workers can use a tax-advantaged health savings account to cover qualified medical expenses. A high-deductible plan has an annual deductible of at least $1,300 for singles or $2,600 for families, according to the Internal Revenue Service. Out-of-pocket expenses cannot exceed $6,550 for individual plans or $13,100 for families.
These arrangements have become more popular as employers attempt to rein in the cost of coverage.