Is everyone getting screwed, or just SkyWest?

I'm getting my HMO, Pacificare (which I actually like), cancelled for next year. By 2012 there will be no HMOs or PPOs, just a glorified health savings account with a high deductible. The deductible is $1,200 for singles, $2,400 for a family plan. Everything, including prescriptions, must be paid for out of pocket until the deductible is reached, and then we still have to pay for 20% of everything - major procedures, hospitalizations, and all.

Supposedly this is being done to save us money.