Once people realize they can vote to lower the deductible the system will quickly turn into just government run healthcare. I’ve had the same thought, but keep

Once people realize they can vote to lower the deductible the system will quickly turn into just government run healthcare. I’ve had the same thought, but keep it private. Mandate everyone is on a high deductible plan with government support to make the deductibles lower for the truly poor. Make health insurance actual insurance again - instead of health plans. It’s the same basic idea but a little less vulnerable to the whims of politics. Of course, your idea is more palatable for democrats (though not very) and mine is more palatable for republicans, meaning neither will happen. Also, tie drug prices to the prices other countries pay damnit. The only reason something so obvious hasn’t happened can only be because of lobbying.