When people are spending below their deductible they will not spend a dollar unless they expect to get a dollar’s worth of value. But when they are above their deductible they may spend a dollar even though the service is worth far less than what they pay.
![Are High Deductibles a Good Thing? Part II](https://www.goodmaninstitute.org/wp-content/uploads/2019/11/GoodmanInstitute-featuredim-121770-1080x675.jpg)