The study isn&#x27;t forcing anyone to do anything.<p>High deductibles save health insurance companies billions. We already know that health insurance companies own congress: that&#x27;s why we don&#x27;t have a sane socialized medicine system in the US. So high deductibles are here to stay. The only thing that&#x27;s going to change that is consumers becoming more savvy; economists have no power here. They <i>should</i>, but they don&#x27;t.