A high-deductible plan with an HSA is the way to go. You can put up to your deductible into the HSA annually with pre-tax dollars, so after a year or two you have money in the bank in case anything happens (and depending on your cash-flow can either continue to pay into). It's a great deal.
This is what I have done as well. Health Insurance is really just financial disaster (health care originated) insurance. The deductibles are high but they will be more affordable than the alternative. To make things easier on yourself in case you do get a problem, make sure you actually contribute to the account. Between the plan and contributions to the account you might be paying as much as people with a more traditional account but at least that money (minus the premium) is going into your own nest egg.
Maybe it's the state I'm in, but whenever I've looked into high deductible plans it doesn't seem that they save much money.
Most of health insurance premiums go to pay for very expensive treatments, usually at the end of life. Routine medical bills don't add up to much: but bills can add up to $250k pretty quick if you get cancer.
