I have a high deductible plan for $280/month. I live in an inexpensive area (Boise, Idaho) and my wife and I are both young (22) so it is cheap. We also keep at

I have a high deductible plan for $280/month. I live in an inexpensive area (Boise, Idaho) and my wife and I are both young (22) so it is cheap. We also keep at least $5k in a medical savings account.