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Kapur says that will mean fewer healthy people going to the doctor too frequently. For example, some plans have premiums as low as $5 a paycheck but with a high $6,000 deductible. That might be a good option for someone who is healthy and doesn't expect to go to the doctor. Most plans, though, also offer some free checkups, to make sure people are going to the doctor enough to catch any health problems early on.