Coal in the Stocking

I really, really wish insurance deductibles ran on the fiscal year instead of the calendar year! It seems all too often people put off things until the holidays hoping to meet their deductible or just give up on meeting it and wanting to get things done before it starts all over again. Soon after thanksgiving, people flock to the office to get that CT or MRI or endoscopy that they have been putting off, or to have that funny pain when they eat checked. They absolutely want it done before Christmas. Sure enough, we then get to spend the holidays being BAD SANTA telling them and their family that they have some horrible ghastly cancer. Cant we just make deductibles end on April 15th so all the bad news is at the same time?