FYI, the Medi-Share plans are not all that they are cracked up to be. Many of them have pre-existing conditions, so they will not cover anything you are currently suffering from. They also will deny coverage for high-cost things like cancer. They say that if they deny coverage to call the provider and see if they will accept a lower cost settlement. In terms of Coronavirus, again they do not have to cover it, they can deny it. The plain and simple reason is they rely 100% on premiums. So, if they have a lot of members, then a large percentage get cancer, they won't have the money to cover others.
Real insurance agencies rely on a minimum 80% of premiums on healthcare, but if their reserves are depleted, they have re-insurance, where other insurers will pay them (insurance for the insurance). In terms of insurers having high deductibles, the plain and simple reason is to cut costs. The PPACA ("ObamaCare") mandated everyone get insurance, so those who have expensive chronic conditions like cancer took a lot of their profits, which were minimized under the 80/20 part of the act. They figure the higher the deductibles, the less the insurance agency must pay for. Most plans with the high deductibles use HSA (Health Savings Account), where you can deposit a certain amount in the bank for medical expenses until you hit the yearly deductible. If you want smaller deductibles, find a Union job, they pay phenomenal and give better benefits, but most positions are labor and work outside.
TS