My $4000 out of pocket deductible is great. We have an HSA to pay that, I put $250 in it each month and my work puts in 2K a year. I like being more responsible for my heath care instead of pissin' money away to ins companies just so you can only pay $20 twice a year to see a doctor. My premium is low (low enough that the $2k they contribute to my HSA offsets almost completely the premium I pay, all but $16). My HSA money I get to keep always. I can use the account to pay for over the counter stuff too. I pay no taxes on that money. Fuck the co-pay plans. I basically lower my taxes, and have no worries about health care because the money is always there. I have been on this plan for 2 years now and am about to lower my contribution per month because the balance is high and I can invest that money better now, while still being covered. Plus I'm used to the deduction, so the money going into a Mutual Fund will seem no different.