[alicewonders]

I could not agree more.

You want to lower non-catastrophic health costs? Get rid of non-catastrophic health insurance. Let everyone have a Health Savings Account that rolls over and stays with you wherever you go - to have a fund to pay for their own non-catastrophic healthcare costs.

You watch the cost go down.

[pierrem15]

Or, people would just stop going to a doctor until the catastrophic insurance kicked in because they collapsed with cancer or some other untreated condition.

Be careful what you wish for.