Health care expert and author Dr. John R. Patrick, tells Les Sinclair, the deductible is a double-edged sword.  Dr. Patrick, author of Health Attitude: Unraveling and Solving the Complexities of Healthcare. “While a high-deductible plan enables young families to have well-baby coverage for their children, it also makes the majority of their health care expenditures out-of-pocket and unaffordable, However, consumers will begin to demand transparency to pricing of health care services, and providers will have to justify what they charge.”