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There's more to it than deductibles.

Prevention is really the part you aren't grasping here. Right now, a huge part of why costs are so high is because of the no-pay rate in Emergency rooms and lots of other outpatient clinics, so the people who do have to pay, pay more. Prevention, annual checkups, nutrition counseling and better access to primary care providers, among other things, lowers the amount of people who use the emergency room as a one stop medical shop, which again, jacks up costs for everybody.