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The configuration of your health insurance is negotiated between insurance and employer. It seems pretty obvious that they are setting things up in a way that’s

• nradov 4y ago
  You don't seem to understand how that negotiation works. Higher deductibles aren't good for medical insurers. In terms of insurer profit margin, higher deductibles are neutral to slightly negative. It's the employer (customer) who has complete control over deductibles. That is the reality of how the market works. Deductibles are generally going higher because healthcare providers and pharmaceutical companies raise prices every year, and because we have an increasingly unhealthy population that demands more services. Insurers try to hold down those increases but with limited success, so they pass those costs on to their customers (employers), and those customers in turn pass on the higher costs to their employees.
  • spaetzleesser 4y ago
    We are saying the same thing. Employers and insurance negotiate with each other for their own benefit and the employee is the sucker.