 Healthcare costs have gone up 25% in just five years, and rather than act on behalf of consumers and push back on rising prices, insurance has just passed the cost on to people through what's called cost sharing, in the form of deductibles and co-pays and coinsurance. Over the past decade, premiums, which you pay just to have insurance, have grown faster than wages and inflation, and deductibles have more than doubled. So let's be clear.