For the most part the answer is yes.  However, what a broker recommends can be completely different from another.  We build programs that can work for all employees, and it is usually centered around choice.  One size fits all is no longer a good strategy.  Some employees choose the lowest deductible plan because it is easy to understand, and others want to go with the highest deductible and put the savings to good work in the form of an Health Savings account or other benefits offered by the employer.