There are lots of problems with the American health system, but the concept of a deductible for insurance isn't one of them. Insurance without deductible is re

There are lots of problems with the American health system, but the concept of a deductible for insurance isn't one of them. Insurance without deductible is really a pre-payment plan for "normal" expenses (along with its administrative overhead) wedded to a true insurance plan. Half (or more of) the battle in these public policy discussions is coming to an agreement on terms.