There is merit in having a deductible, however there are several ways in which this system is flawed. First, employers should be out of the healthcare equation

There is merit in having a deductible, however there are several ways in which this system is flawed. First, employers should be out of the healthcare equation entirely, except in as far as either taxes or salaries are used to fund health costs the employee bears. After all, employers don't participate in many other common expenses people bear, from housing to educating their children. Second, individuals are generally not capable of "shopping around" for the best value healthcare; they simply don't have sufficient knowledge to properly evaluate the various options. This is why you need some form of independent assessment of treatment costs and benefits, such as the UK's National Institute for Health and Care Excellence [1]. Insurance based systems with government oversight are the norm in most of Europe. https://www.nice.org.uk/ https://www.nice.org.uk/