One of the perverse ramifications of a lot of heathcare plans is that the Deductible and Max-Out of Pocket limit disincentivises the consumer to buy the cheaper

One of the perverse ramifications of a lot of heathcare plans is that the Deductible and Max-Out of Pocket limit disincentivises the consumer to buy the cheaper retail product. I could save my insurance money by buying a drug or medical device cheaper but would be screwing myself because non of that would count towards my out of pocket limit.