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Originally Posted by disneysteve
That would probably need to be tiered by income somehow since paying 4K out of pocket if you earn 200K is much different than doing so if you earn 30K.
You are absolutely right that people want care but aren't willing to pay for it. The problem is that when they have to pay for it, they are much more likely to forgo necessary care. That ends up costing more money down the road. Making folks responsible for the first 4K would likely lead into that problem.
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Preventative care is free with my hdhp, so the cost of preventative care should not be a huge issue.