IIRC, the premiums were not much lower than the low deductible option. That plus the high deductible plus the fact that we were making a lot of trips to the doctor (2 small kids and my wife has had minor-moderate medical issues for years) just made it seem unattractive at the time. I probably owe it to myself to take another look though since our reality is a little different now. Like you and Catman said, losing money at the end of the plan year is for the birds.
If I were single it would be a no-brainer. In the past 5 years the only visits I have made were for physicals.
This post was edited on 3/25 at 3:11 pm