as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
who could afford a higher annual deductible who couldn't afford a higher monthly payment?
user
it's simple. most people don't spend $6000 a year in medical care. as for myself, there's probably only $400 or less, mostly in annual checkups and the like.  if you are the type to require more medical care, then you will pay more per month. i know a person with asthma, kidney stones, and inflammatory issues. this person spends probably $1000 in co-pays per year, with considerable more if you were to include the hospital visits in the likes. but if you don't think you are one of these people, then don't get the higher cost plan.
assistant