Yeah, a typical scenario is family folks in the 60-90k range with a 5k deductible after 6k in premiums -- one of the reasons, we've seen surgery volumes drop significantly and individual surgeons practice drop 25-30%.
Who's going to get a small hernia fixed on that income, eat their deductible and have to come up with another 5k?
Or come in for any number of smaller procedures and have to pay for them out of pocket because they don't touch their deductible?
Yup. F'it. The average Joe is gonna just let it go until it cost hundreds of thousands of dollars to treat, rather than starve his kids to death.
