Instead of a 80/20 split like most insurances have, you pay a high deduct (say $1500-$3500) out of your pocket before insurance pays a dime. Much cheaper premiums and you still retain insurance benefits like cost caps and prescription cost helps. Once you meet the deduct, they pay 100%. This is good if you don’t normally go to the doctor a lot but it saves your butt in case of a catastrophic illness.
Thank you for your explanation!