Yeah, that makes sense. The way it works out for me, even a year with astronomical healthcare costs is only going to cost me a couple thousand more because of the HDHP, and I saved nearly $8k last year due to the extremely low premiums, even after considering the out-of-pocket healthcare costs for my whole family. The way I look at it, that $8k has already paid for 2-3 hypothetical worst-case years sometime in the future.