I have a diabetic child. There was a point in time where I had the high deductible plan with a max out of pocket of 10,500. When I ran the numbers for other plans, what I was allowed to save pretax, etc. the high deductible plan actually made economic sense. With bloodwork and prescriptions, I would hit that by September.
I also have kids and, like most people on HN, have “good” health insurance that comes with a tech job.
But get one family member that needs to see a cardiologist or neurologist every few months and you’re hitting your $6,500 deductible every April.