How to deal with fresh health insurance deductibles in the new year

Many Americans with high-deductible health insurance face a cold reality at the start of every year: Those deductibles will have to be paid before most insurance coverage starts. That can mean thousands of dollars in fresh health care bills. Such a financial hit can be brutal for patients with cancer or other chronic conditions. They may have met their deductibles the previous year only to see them reset in January. Patient advocates say people may be able to manage this challenge by knowing their coverage and seeking help.