Fair enough; today’s “health insurance” is more like “maintenance plan.” Like an auto policy that got your oil changed four times a year.
But you don’t have to get all snarky about it.
And anyhow, the $6K deductible plan is selling for more (after subsidies) than the old, low-deductible maintenance plan. It’s a bad deal, mean to enrich the pockets and egos of government drones, nothing more.
That's true -- due mainly to the mandatory provisions e.g. no pre-existing condition exclusion.