When Crystal Doyle’s 7-year-old tumbled out of bed one night, she was groggy, nauseated, and later vomited—by morning, swelling around one eye set off alarms. Doyle feared a concussion but couldn’t tell whether it was serious or just another fall. With a high-deductible health plan, she weighed what was best for her daughter against what her family could afford.
“Walking into urgent care is a couple hundred dollars, but the ER is over $1,000,” Doyle said. “Of course, if it were something obvious, money wouldn’t even be on your mind—you'd just go.”
