I'd love to see the figures on that.
I live it every month......every year, and have for 7-8 years. Do you even know what a deductible does to risk actuarial figures? Do you even know what risk actuaries are?
When you take the insurance/government component out of 98% of all medical care, of course you reduce the price. Obama Care restrictions have killed some HSA policies, but the HSA high deductible low premium concept is the ONLY way to solve this.