A couple of misconceptions here I think: 1. You're saying higher deductible will increase the 'financial pain' to the consumer. Wrong -- what matters to consum

A couple of misconceptions here I think: 1. You're saying higher deductible will increase the 'financial pain' to the consumer. Wrong -- what matters to consumer is cost for services + cost of insurance. 2. You're saying quoting accurate prices is the goal -- I think quoting prices at all is the goal. If consumers aren't moving to cheaper providers, prices will always go up. There are price controls built into insurance programs but they're not based on the real cost of providing a service so they can hurt quality. 3. You're saying 'financial pain' comes from high prices today. The real concern is that 0 price sensitivity increases the % of GDP allocated to health care to unsustainable levels. I can suffer pain today if it turns health cost growth from positive to negative.