Absolutely consider an HDHP. I did a ton of analysis on how much I paid in premiums versus how much was actually paid out on my insurance plan, and I discovered that in a typical year on my old "gold" plan, I paid out twice as much in premiums as the insurance company paid on my behalf. To put this in real terms, I paid $12k in premiums and I needed $6k in care. My HDHP premium is more like $1.5k, and although the idea is that I pay for everything out of pocket, I've been surprised at the amount of stuff that's been covered as "preventative". And the out-of-pocket maximum is capped on the HDHP to barely more than the amount I paid in premiums on the "gold" plan. I encourage you to run the numbers. It's really eye-opening.