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Message: <blockquote data-quote="dru" data-source="post: 1872206" data-attributes="member: 3047">for the average "healthy" family a HDHP really makes a lot of sense.  Especially if you can fund it through an HSA.  The important part is to have a savings cushion built up to pay the annual deductible before you enroll in the plan or to at least get that cushion in place pronto.  Then, simply make sure that you devote enough out of your paycheck each month to add to your savings the annual deductible, prorated over each paycheck.  that way, even if major illness or tragedy strikes, when the deductible clock resets, you have already save up your deductible for that upcoming year and won't be left scrambling to pay a 2k-10k deductible.I had every intention of doing that and then my employer trashed their HDHP.  oh well.  HDHPs are not as popular I think because it requires much more discipline and attention than a pay-it-and-forget-it health insurance plan.  People also tend to be very risk averse and want absolutely everything under the sun covered - including those things that will happen with probability 1 (and which therefore cannot be insured against).  HDHPs that are designed to cover scenarios that would truly financially cripple a young person, couple, or family are a great option due to their affordability.  You lose some protection and yeah the deductible might sting but probably won't bankrupt most people and you get affordable coverage for the really bad juju</blockquote>

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