But that very same plan may need a high, “dialed up” deductible of, say, $6,000 — which means you’ll need to spend $6,000 out of your individual pocket on health services each year earlier than your insurance begins to pay its portion of the fee. If you picked that plan, you would be betting you will not have to make use of plenty of health services, and so would solely have to fret about your — hopefully affordable — premiums, and the costs of a few appointments. But should you or your spouse or dependent member of the family has…