I wouldn&#x27;t be quite that harsh, but I agree with you overall. I don&#x27;t understand why in the world they thought this would work.<p>Are they confusing deductibles with co-insurance? I know the field is confusing, and that sort of confusion is the only way this study makes any sense.<p>With a deductible ANY non-routine spending means you go over it. So why bother price shopping? It makes no difference.<p>With co-insurance you pay a portion of every bill, so in that case price matters.