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Do high-deductible health insurance plans lead to more personal debt?

Cook County Hospital in Chicago
Staff in the Trauma Unit at the John H. Stroger Jr. Cook County Hospital try to save the life of a man who was hit by a car November 6, 2009 in Chicago, Illinois.
Scott Olson/Getty Images

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People who have insurance through their employer and people that have policies through either federal or state exchanges are finding that high-deductible options are their only affordable choice. In other words, in order to be able to pay for their monthly premiums, people are choosing the high-deductible plans more often.

When people are faced with huge out-of-pocket expenses before their insurance kicks in, is that really progress in terms of getting all Americans insured?