Obamacare dramatically increased deductibles, in the name of providing "coverage" to everyone. What ends up happening is people don't pay the deductive.
What should have happened is politicians should have worked on costs, not on payments. They should have worked on dramatically increasing healthcare supply not availability. Trump tried, a bit, by forcing hospitals to release price lists, but I have not seen lower costs as a result.
And I don't just criticize, I have two ideas to help:
1: Encourage capitation[1] - people should pay a fixed amount that covers everything* no exclusions, no co-pays, or anything else. Care is gated by lower cost professionals who escalate to higher cost general practitioners, and then specialists, as needed. The Doctors are paid a fixed salary that does not depend on how many people they see or how many procedures they do.
2: Gut employer healthcare. Just give everyone cash (in a tax controlled way) that can only pay for healthcare. In a two person household they can pool the cash and it should be enough to pay for coverage, with complete competition. People with lower income would automatically receive subsidies that would help.
3: No more special Medicare coverage - it would be routed via the identical path that others use, except the subsidy is higher. I've helped people on Medicare - the government coverage is terrible, the only good coverage is Medicare Advantage which is private care paid for by the government, which works well.