I used to think that until I had kids...
Admittedly the vurrent high deducatable plans stick it to the participants...BUT, if everyone was forced into such a plan, then the freemarket would reduce the "routine" costs of healthcare...Doctors would start to compete on price for patients... and all of us would be protected from the catastrophic/bankruptcy causing costs of serious illness (ant that is the real problem with American healthcare).
If we go the way of single payor (and I think we eventually will) then in about 20 years, we will all end up in a "high deductable" government plan. The government will not be able to pay for every doctor visit for every hypocondriac that is looking for an excuse not to go to work...
Book mark the post. You heard it hear first.