For most insured, payments that go towards the deductible make more sense than payments that don't, even with a fairly large difference in price.
In our case, specificly, the only exceptions have been things know significantly in advance where it would really be practical to be able to shop around.
Average deductible is ~$1700, at that point the differences either need to be huge, or additional spending needs to be very predictable.
Source for $1700: https://www.kff.org/health-costs/press-release/benchmark-emp...