Does anyone claim that HD plans make people more savvy consumers? I've always thought it was a transparent way to make people of moderate means think twice abou

Does anyone claim that HD plans make people more savvy consumers? I've always thought it was a transparent way to make people of moderate means think twice about any care that could be considered elective. Whether it's a good idea or not, paying out of pocket for a $3000 procedure might make you question the need for a CAT scan. High deductible plans definitely don't make anyone smarter consumers. The market is opaque and your options are limited to in-network in the best case.