Not sure how a higher deductible would fix the extortion pricing that ultimately drives up either your medical bill or your monthly insurance bill.
To me the solution is clear, there is really only one. Co-op only healthcare. By making all healthcare (especially insurance) co-op you retaint he group bargaining, institute supply-demand pressures to improve service and pricing, and eliminate the greed element by ensuring the customers are the owners. This allows insurance to remain free market (addressing the issues with universal healthcare) while also removing the greed and exploirtation factor (a problem with unregulated free market healthcare).
GNU social JP is a social network, courtesy of GNU social JP管理人. It runs on GNU social, version 2.0.2-dev, available under the GNU Affero General Public License.
All GNU social JP content and data are available under the Creative Commons Attribution 3.0 license.