I guess it is really up to employers (yes, I know this sucks) to decide how important wellness and keeping employees healthy is, without breaking the bank. There is no deductible on my plan, or any of the others offered by DH's or my employer. The difference is, that at my work employees do have a choice of a plan where you have to use certain doctors and you can't go to any of the big name hospitals in Boston. While I don't run down there, like some of my friends do, I want to have the choice, and it is worth it to me, to pay for this. When I was sick a few years ago, I went to Brigham and Woman's for a second and third opinion from 2 rheumatologists and a neurologist. While it probably wasn't necessary to that extent, the advice they gave me stopped me from any more rounds of searching. I have recommended one of the doctors to several people, including my own patients.
Of course, like California, Massachusetts has several things that are mandated to be paid for, which I am supremely thankful for.