Deductibles instead of percentage of service are one of the sillier ways to implement insurance. I understand that this saves people who go way over, but if th

Deductibles instead of percentage of service are one of the sillier ways to implement insurance. I understand that this saves people who go way over, but if the deductible is $2500, what's to stop a $25000 operation from becoming a $35000 one? There's the hospital-insurance relation but given how flexible hospitals end up being on pricing it sure doesn't feel like enough