Delta has account based healthcare coverage. There are many permutations, but the most popular Healthcare Savings Account does have a $4,500 self insured retention, but after that coverage is 100% of in network costs.

80/20 coverage with copays can cost you more in the long run and the HSA funding is tax free and you own it, as a way of tax deferred savings.

My wife is the type that goes to the Dr. for a runny nose, so we picked a plan where DL picks up the first $1,000, then we have to meet a deductible up to $2,500 ($1,500 exposure) to get to 80/20. The cost is less than last year's plan and what ever my wife doesn't use rolls over to next year.

Preventitive care (wellness visits, gynecological, etc...) is covered from dollar one.

This explanation is a consolidation of 40+ pages of materials, but I think HSA's are the wave of the future thanks to laws that encourage their use.