I long ago questioned the wisdom of high deductible health plans for two reasons. First, the idea of patients as born again health care consumers and shoppers is ridiculous and second, for lower income patients the high deductibles are a heavy burden.
On the other hand, the Sanders version of “free” health care is equally ridiculous. The perception of “free” encourages over utilization on the part of both patient and health care provider. Such a system requires various forms of rationing to manage costs, a fact left out of the discussion of health care systems.
We need a reasonable blend which focuses not on deductibles that cause financial shock, but on cost-sharing based on each use of a service up to a total out of pocket cost maximum.
A health plan design should motivate some prudence, but not inhibit access to needed care or cause harmful debt. In other words, we need to go back to the days when health insurance was actually insurance 😡
Health insurance is making people pay more out of pocket.