My point with the "hidden" comment was that even though people have coverage they may not be able to use it due to having an unaffordably high deductible, and y

My point with the "hidden" comment was that even though people have coverage they may not be able to use it due to having an unaffordably high deductible, and your first link is showing that there is a rise in high deductible plans and that lower income people don't usually have an HSA to offset the cost. It also points out that 60% of people get their insurance through their company, and that companies are increasingly moving towards the cheapest plans with the highest cost to the individual user. Is an insurance plan an insurance plan if you can't pay the deductible?