10 years ago, I would have said that having to pay $4000 out of pocket was a non-starter.
But with Obamacare, my high-cost, premium-quality health care requires that I pay thousands before I hit my deductable. So I just paid $2000 for a minor surgical procedure out of my HSA, since I have not hit my $7000 deductable limit.
Our limit is around $7500 per family member for a high deductible health plan. However, preventative care like well checks is covered, and we get some discounts when visiting the doctor and pediatrician.