Some firms offer their employees health care plans with high deductibles, sometimes as much as $4,500 per year. What effect do high-deductible plans have on how often employees visit doctors or otherwise use health care services? If the federal government were to require that employer health care plans have deductibles that were no greater than $200 per year, would the employees in these plans be better off? Would the employers offering these plans be worse off? Briefly explain.