A survey finds that almost 20% of respondents under high-deductible health insurance plans avoided going to preventive care visits, despite the fact that their plans fully cover it. High-deductible or consumer-directed plans normally don't charge out-of-pocket costs for preventive care, annual physicals or screening tests as a way to promote preventive care, but only 18.1% of the survey respondents understood this rule, researchers said in a study published in Health Affairs.