No, the worst situation is to have no insurance and develop a super expensive condition. A high deductible insurance is way better for most people than either expensive insurance (you're paying for care you're not receiving most of the time) or no insurance (bankrupt by bad luck).

If you have a high deductible insurance plan (mines pretty high at >$10k for my family), keep cash in your HSA so you're not put out if you max it.