First & Foremost.
If you or a client is consulted by a physician or a specialist for uncontrolled condition and/or the hospital might possibly be in their future...
then the pro-active approach is NOT recommended.
Recommend the Traditional Approach, lower deductible higher premium. Keep in mind " paying more for a product is fine as long as the client is getting the Value from it ".
However, for clients that rarely use their coverage and/or feel that their not receiving value, the pro-active approach may reduce premiums while providing a wider range of overall benefits.
In other words... More Benefits - Less Money
Premiums and premium increases are ultimately determined on a little thing called usage. Not necessarily Actual usage but rather Projected usage. In other words " how much the Insurance Co. projects their going to spend should the coverage be used. The client does have some control in this area, a low deductible is a high projected usage, so not only are the premiums higher but more importantly... the premium increases are as well. We all know Health Insurance is an unstable product, so lower the projected usage as much as possible by raising the deductible to its highest option. This will reduce not only the premium but the size of the increases, that in my opinion... are not going away.
Don't panic... remember, Wellness & Preventive are covered 100% with NO Deductible thanks to ACA.
The market has in place, other products designed to cover medical costs for a fraction of the cost compared to health insurance. Supplemental coverage or "gap insurance" may fill the gap between "well care" and a higher deductible. Health ins. pays the Doctor's and Hospitals' while supplemental ins. pays you to offset deductible, co-ins.(80/20) and lost income. There are several companies that offer different benefit options and affordable premiums.
The point to all this is to reduce the cost (both now and future) of an unstable product with out reducing overall benefits. In most cases (not all) the two products together, cost less than a "low or no" deductible health plan. You've reduced premiums, lowered "projected usage" to address future increases and enhanced benefits. Instead of a "Health Plan" you have a "Benefits Package" designed and positioned for the future.