Originally Posted by MikeSmoke

If you have major health problems and costs in your family (as I do), it may also be the way for you to go.

Three years ago, we switched from conventional to high-deductible. We saved almost $1000 a month in premiums and after paying all of our medical bills out of pocket for about 45 days, we had almost *no* out of pocket costs for the rest of the year. I estimated it saved us about $15-$20K that year.

Three years later, they've boosted the premiums, cut the benefits and increased the deductible to the point where our savings will probably only be around $5K this year. Still worth it, though.