Let people choose the deductible they want. n If an employer doesn't offer health insurance, the law prohibits a worker from buying his own MedicalSavingsAccount.
The other part is the medicalsavingsaccount itself, which is funded with pretax dollars and can be used to pay those deductibles and other medical expenses.
Any savings consumers achieve by picking a lower cost plan should roll into a health savingsaccount that they can use to offset out-of-pocket medical expenses.