I'd go with a HSA and a high deductible since I've quit smoking, but there is no way the overweight people I work with would stand for it. They have high blood pressure, diabetes, joint problems and etc. They are constantly going to the doctor.
I have babies all the time :-).
People would take better care of themselves, use prescription drugs more wisely, etc., if they were responsible for a greater portion of the cost. Unfortunately, because decisions have been taken from the consumer, people seem to think that "health insurance" means anything you want, and somebody else pays.
I'm sure I'm preaching to the choir, here!