There's no real correlation between the "goodness" of an insurance plan and its deductible. In the end all that really matters is the quality of care you receive and how much you have to pay for it.
Many employers offer high deductible plans but also contribute into the employee's HSA which can be used to pay deductibles. In theory that incentivizes the employee to shop around and get the best possible deal on care.
Agreed but in this anecdote what do you think would happen in that case? I’d guess the person would complain about the deductible even though in real terms it might be cheaper than premiums on a low deductible plan.
