This is consumer driven health insurance. This program gives an incentive to shop providers for the best price because you are using your own money. This also discourages you from overusing the medical system for something like the common cough.
This is basically what republicans and talk radio have been saying will save our medical system. I don't know what you guys are complaining about....
Get right back to us after you are diagnosed with something that requires immediate surgery or prolonged hospital care. Let us know how that shopping around goes when you start getting bills from every corner of the medical proffession ( including doctors that you never spoke to and for drugs you never knew you took) while you are trying to recover and get your medical back. It may work fine for an elective procedure, but is an absolute disaster when you REALLY need to use it.
I can garuntee you that you won't be defending a single aspect of it if you ever have to live through that.