The other third are either slackards who are paying nothing or haven’t got the bill for the deductible yet.
They probably think the deductible is what the Doctor deducts from the bill because they have Obamacare. It hasn't dawned on them that they have to pay it.
Well, she underwent physical therapy; then she received the bill — $1200. She didn't realize her really swell low premium insurance carried a hefty deductible.
Of course, being an Obama true believer, she blamed the insurance company.