No. It doesn't work like that. Health insurance isn't really insurance, and cannot be compared to any other insurance policy. Forget anything that had anything to do with health insurance because it is not comparable.

Your auto and home insurance policies specifically state that the full deductible is applied on each and every claim. If you report things all the time, you're just screwing yourself. Actually, that's maybe the worst thing you can do as far as your rates are concerned. Please don't try that.