Spending any money is a bigger deal to people with less (or no) money than people above a certain threshold. So one problem you end up with is people that won'

Spending any money is a bigger deal to people with less (or no) money than people above a certain threshold. So one problem you end up with is people that won't go to the doctor for preventative care or before issues become worse (and thus more expensive to fix) to save money now. It's why the ACA specifically says preventive care, immunizations, medical screenings, etc. cannot be subject to copay or deductible or coinsurance.[1] [1] https://www.healthcare.gov/preventive-care-adults/ https://www.healthcare.gov/preventive-care-adults/