We have always done the high deductible route as it costs less in the long run for us. My DH and I are generally healthy and able to afford "a broken leg" just not the "heart transplant".

Like with a car, how often do you have accidents that you insure "in case"? I think that's a form of worry, yes you need coverage but not such low deductibles. That's how they make most of their money, people think they are actually getting $10 prescriptions but the costs are just shifted elsewhere and even increased. If your prescription costs $100 but your insurance is $10 a month more because of a low deductible, that's $120 you're paying a year, plus the $10 for the prescription.

Make sure prescriptions and how often you go to the doctor, etc. add up. I go to the doctor 4 times a year; $80 for a doctor's visit x 4 times a year is $320 (out-of-pocket) so if I'm paying much more than that in health insurance so I can get the doctor's visit for only $10, I'm ripping myself off, thinking I'm "saving" money; $320/12 is only about $30 extra a month so if an insurance agency charges me more than $350, I'd be better off paying the $80 each time rather than thinking I'm getting a good deal for $10 and higher premiums.

We use our insurance to just get the insurance "rates" instead of the crazy charges they charge the insurance company initially which the insurance company "disallows". So the "cheaper" the insurance is because of allowing high deductibles, the cheaper it is for us :-)