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{{I will say the deductible did keep me from accessing much health care in the past 8 years.}}

That was part of its job. Along with copays, a deductible is supposed to make people weigh whether or not seeking care is needed.

As an anecdote, in grad school, I could access a doctor for free whenever I wanted. I went roughly once a month or so just to check something out. Because when there is no cost, it is always worthwhile to have something checked out just in case it could be something of concern.

It is all about rationing care. No society can afford to not ration care in some manner. If I self ration my own care by deciding not to go, then it goes over much better than an insurance company or government denying me that care.

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