REDUCING CONSUMPTION IS THE POINT:

The survey found the biggest financial worries among people with so-called high-deductible plans that require patients to pay a big chunk of their medical bills each year before insurance kicks in.

Such plans already represented a growing share of employer-sponsored coverage. Now, they're also the mainstay of the new health insurance exchanges created by Obama's law. [...]

The poll found that people respond to the hit on their wallets in ways that may not help their health:

-- Nineteen percent of all privately insured adults said they did not go to the doctor when they were sick or injured, because of costs. Among those with high-deductible plans, the figure was 29 percent.

-- Seventeen percent skipped a recommended test or treatment; it was 23 percent among those with high-deductible plans.

-- Eighteen percent of all adults went without a physical exam or other preventive care, 24 percent among those with high-deductible plans.

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