The real health insurance scam is that they know as their deductibles go up, fewer people can afford to use their insurance. Which means they don’t have insurance. Despite having to pay premiums. It may sound counter intuitive , but if you can’t afford your deductible, you MIGHT be better off not getting insurance. When you need care, primary, preventive or worse, your doctor or hospital has financing plans. And, their cash price that they finance will be cheaper than what your insurance company or employer negotiated There is still a lot of work to be done before this is easy and convenient. But it’s starting to happen. Now is the time to find a doctor who is willing to work with you directly and let you pay them directly. See what works for you. This isn’t a perfect approach , so All feedback welcome !(Mark Cuban)