"Not for routine costs" and "high deductible" are hardly the same thing. You can conceivably have a $0 deductible for treatment and no coverage for routine prev

"Not for routine costs" and "high deductible" are hardly the same thing. You can conceivably have a $0 deductible for treatment and no coverage for routine prevention. Thus, you pay nothing when you break your arm- it was unlikely and unexpected- and you pay full cost for checkups. (Of course, that creates a bit of a perverse incentive, nudging you to skip preventative care and lean on treatment)