This gives the consumer a strong incentive to reduce costs, question charges, avoid unnecessary services, and so on. When physicians and hospitals know that pat

This gives the consumer a strong incentive to reduce costs, question charges, avoid unnecessary services, and so on. When physicians and hospitals know that patients are scrutinizing care plans it will force a cultural change. That cultural change will subsume older practices. This sounds great, until you are in a stressful or life-threatening health situation. Not only that, you are in a worse negotiation position if say, your leg is broken. Also it might encourage people to postpone needed medical attention (e.g. dentist visits, don’t know if they are covered by insurance in the US) because they are worried that they blow through 4000 that year and don’t have the means to cover the additional 2000.