If you want to blame anyone, blame the RAND institute with poor studies that pump up the hype around high-deductible plans: https://www.rand.org/pubs/technical_

If you want to blame anyone, blame the RAND institute with poor studies that pump up the hype around high-deductible plans: https://www.rand.org/pubs/technical_reports/TR562z4/analysis-of-high-deductible-health-plans.html https://www.rand.org/pubs/technical_reports/TR562z4/analysis... My last reading of their work was years ago, but at the time the study found that folks will use fewer health resources when on a high deductible plan. However--the study allowed folks to revert to their old insurance (i.e., lower cost insurance) if they got sick. Meaning the study would show those in high-deductible plan would use fewer resources only because the people in that plan who used more resources quit the study.