There is a geographic plan that contracts with hospitals in your area. May just be one hospital but it will be close
It essentially cuts the cost of premiums in half.
This is a worthwhile savings and you most likely already use a local hospital, the rates are negotiated and therefore the premiums are less. Much less.
The drawback if you are not an emergency patient (ie transported by ambulance) you cannot use another hospital and have your deductible covered.) If you are traveling away from home and have an emergency thenn you may use any hospital in the area of travel and it is covered
I was impressed with this Plan, but if you live in California it's got a few more restrictions