I'm a big fan of HDHP's since you can save/accrue money in a health savings account and not lose it. While the deductible is super high, my employer has a good

I'm a big fan of HDHP's since you can save/accrue money in a health savings account and not lose it. While the deductible is super high, my employer has a good health plan and once you hit it everything is covered 100% (coinsurance). If something bad happens, ideally you will have enough money saved to cover any deductibles. The sky is the limit if you are stuck in the hospital with something severe and it's good to have some piece of mind that everything will be OK. In the past I was in the hospital for about 10 days with pneumonia and at the time I had a standard PPO plan that only covered up to 90%. I was all of a sudden on the hook for thousands of dollars for medical bills , as my stay was over $100K in expenses and that was about 15 years ago. It's not like you can shop around for ER's when you are severely ill. I did make sure that the hospital was in-network before I went to it though. I can't imagine what the cost would be now. Luckily I had the means to pay these bills, but I would have saved a lot of money if I had a HDHP.