People who now have deductibles of $6000-$12000 won’t be going to the doctor unless the problem is severe. That’s already happening in our circle of friends.
Those deductibles are pretty much unpayable.
Most people do not have that type of cash on hand.
And unless I am mistaken, insurance will not pay a dime until the deductible is already paid, so if one cannot pay it, one is screwed.