What's clear enough is big deductibles deter use, but that's got upsides and downsides. There's a good reason why lots of private insurance now and even before ACA made some preventive care free, such as an annual checkup. I've also not seen evidence that the kind of 'overuse' that you're referring to is a big cost driver. What I've seen is a relatively small share of the population that's very sick with chronic problems consume a huge share of the healthcare costs.
I have no problem with high deductible plans or HSAs, but a bronze ACA plan is pretty much there, and as you know high deductible plans are also permitted under ACA. The problem is when people are old or sick, those "high deductible" plans aren't anything but high cost plans, year after year after year, because sick and old people need and use lots of care. I have arthritis and the cost of the drug that keeps me from being a cripple costs $5,000/month taken as prescribed. I take it 1/4th that often, but the 'cost' is still about $15,000. So a plan with a $10k deductible to me is just a plan with premiums of what I pay directly plus that $10k deductible, because I WILL meet it every single year. For the 45 years before I was diagnosed with arthritis, a high deductible plan would have worked great, then overnight it didn't.
OK, great, then I'll wait on the 'free market' GOP plan that's not coming to see how this fictional plan will work.... :roll:
The serious point is all this is very easy to say on a debate forum, but putting the details to paper is incredibly difficult and there is NO indication the GOP has any desire to do that hard work, because by all indications they simply don't care about the issue. The kind of plan you envision will also have lots of losers, like me most likely, which is fine, but politically allowing voters to see who loses, which happens when an ACTUAL plan is put to a vote and scored, doesn't work that well. So it's easier to promise a bunch of stuff that sounds good, call what the other guy does terrible, awful, etc. and never put your own plan into practice. That's the GOP strategy as far as I can tell.