I think we need to move away from the idea of "high deductible" plans. These are the thin edge of the wedge when it comes to insurance still maintaining control over so much of our medical care. After all, every medical interaction must still be "processed" by the insurance company, which is how you know you've "reached your deductible." Second, we typically end up paying the outrageous "list price" for services until we reach our deductible. And, finally, the physicians and other entities must still maintain the outrageous insurance overhead as they will still have to file each interaction as a "pseudo-claim." So, no, insurance should just be limited to catastrophic care, and perhaps a deductible can be attached to that, which would be similar to car insurance.