In my view, the amount you pay for stuff before you hit your deductible is just another type of premium. If the cash prices you can pay for what you reasonably think your care will be in a year are less than your deductible, then it can save you a little money to do that. If you happen to be wrong, you'll have still have to pay for your deductible.
I pay for a specific medication OOP with goodrx because it's not covered by my insurance, and paying for it through them would be nutty ($1600/year versus $90/year). But other things I just lump in b/c I use a fair bit of insurance every year.
I pay for a specific medication OOP with goodrx because it's not covered by my insurance, and paying for it through them would be nutty ($1600/year versus $90/year). But other things I just lump in b/c I use a fair bit of insurance every year.