High Deductibles and higher co-pay plans have forced the consumer to become their own advocate in assessing the best value in medical care. According to research by Kaiser in 2015, the average deductible for people with employer-provided health coverage rose from $303 to$1077 between 2006 and 2015. This means that individuals are paying more for health care and often at the full pre adjusted cost of services until they meet their deductible.