"Sara Rosenbaum, a professor of health law and policy at George Washington University ... said the rising deductibles were part of a trend that she described as the 'degradation of health insurance.' ... [A]fter reviewing the available plans, [a 29-year-old Houston consumer] concluded: 'The deductibles are ridiculously high. I will never be able to go over the deductible unless something catastrophic happened to me. I'm better off not purchasing that insurance and saving the money in case something bad happens.' "