The problem is that it ain't easy.
I think those things would be easy to do... It's just that we don't want to do them or people who have a vested interest in the status quo don't want them to happen.
ask trump, he thought exactly the same thing. ran on how easy it would be. then you have to count on the congressional folks. ooops aint that easy cause they have no understanding.
It's not congress that lacks understanding of how HC is delivered.
As far as deductibles go, Obamacare limits the total out of pocket costs.
Health Insurance Deductible - Obamacare Facts
What we don't know is what are the premiums paid by people within each of the three %FPL levels, and what subsidies the insurers passed on to them before Trump axed them.