Most hourly wage type people (yes, I believe that is a 'type') won't save money, no matter what the reason.
And we 'rich' people have enough money saved up so that it doesn't matter what the deductible is.
"We, The People", are ruined, I think. Everyone 'knows' that they can't afford their own health care insurance, even though they have no idea what it would cost. And besides, if you go to the hospital they won't turn you down.
The teeter-totter has tipped. And the people on the ground have no ability to climb up. So they will just wait.:(