Those with high deductibles have the same reluctance. It's not isolated to healthshares.
High deductible insurance differs a bit in that the more expensive the need the more likely you are to use it, as you may anyways meet the deductible. While a health share the more expensive the need the more concerned you are that they won’t pay you back.
In general though, if you are taking a high deductible plan you should budget for your expected out of pocket costs while knowing there’s an upper cap, makes it easier to stomach as a sunk cost.
I compare it to a catastrophic insurance plan
That’s probably the last thing it should be compared with.
