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Each year, for well over a decade, more people have faced higher health insurance deductibles. The theory goes like this: The more of your own money that you have to spend on health care, the more careful you will be — buying only necessary care, purging waste from the system.

"Shopping for Health Care Simply Doesn’t Work. So What Might?" is from the July 30, 2018 U.S. section of The New York Times. It was written by Austin Frakt and narrated by Kristi Burns.

©2017 The New York Times News Service Division of The New York Times Company (P)2017 Audible, Inc.

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