This is what I have done as well. Health Insurance is really just financial disaster (health care originated) insurance. The deductibles are high but they will be more affordable than the alternative. To make things easier on yourself in case you do get a problem, make sure you actually contribute to the account. Between the plan and contributions to the account you might be paying as much as people with a more traditional account but at least that money (minus the premium) is going into your own nest egg.