[ljoshua]

And as a side note, for my family I actually love high deductible plans when I can get the deductible around the same dollar figure as my max HSA contribution. Once I can hit the deductible for an individual, free healthcare!

I never hit it, because I have very few health needs. But add a pregnancy and delivery into the mix and you're set. It's the opposite effect of what the theory in the article supposed, but just one data point.