Source: Lisa Zamosky, L.A.Times ( Free Registration )

Alice Marie Francis believes it's important to have health insurance, but finding a plan that fit her budget was no easy task. "Money is tight," says the 50-year-old Burbank mother of two, whose children are insured by their father's work-based policy.

To make sure she had coverage that didn't break the bank, she opted for a high-deductible health plan — an increasingly popular option with lower monthly premiums but high upfront costs before most insurance payments kick in.

Read Full Article: Many opt for high-deductible health plans despite risks