[C. Edmund Wright]

he’s 63 and doesn’t understand deductible???? What, he’s never insured anything in his life?

[steve86]

Not everyone has your educational, vocational, and social background. Many of these people have never previously had (the privilege or the curse) of having to deal with health insurance.

I wouldn't expect the average man-in-the-street to automatically understand concepts like deductible, copay, co-insurance, MOOP, or capitation, among others.

Some of the newer variations like cost-sharing subsidies in certain silver plans take a moment to sink in even among the better read of the rest of us.