yeah; after Whole Foods went to the really high deductible plan with savings account, their insurance costs dropped about 15%. Except that a LOT of it was that their employees, who earn about $400 a week after taxes, could no longer afford to see a doctor for preventive care with that $1500 deductible before their health care kicked in. So they didn't. I don't shop there much, and I avoid the produce because I *know* that a Whole Foods employee doesn't see the doctor if they 'just' have the sniffles or a cough.