If you are healthy and have the financial resources, high deductible insurance is the way to go if you have to buy your own insurance. It doesn't make any sense to buy a gold plan if your healthy or not accident prone. The money would be better off going into a retirement account, college fund, an emergency fund, etc.
I think Newton's 3rd law comes into play here. For every action, there is an equal and opposite reaction. At this point we don't know what all the actions are and what the reactions will be...
You are missing one HUUUUUGE piece of the equation.....our high deductible plan is about 11 thousand dollars a year less expensive than a normal plan with a 500 or even 2500 deductible.
We save more on premium than we spend on deductible EVEN IF WE MAX out. It’s a no lose situation.
If you are in poor health, then healthcare is simply going to be expensive period.....under any type plan.